DSCR coverage calculation?

[CJ M.]

This may have already been covered in another post already (my apologies if so), but from my experience, the DSCR calculation is a bit taboo with some lenders. Many calculate annual expenses differently (personal and business), and some won't even share their calculations...which makes it even more challenging to track for myself. For example, there was a 0.40:1 delta between 3 different lenders I recently reached out to. Seriously!

To the lenders out there, what is the best "general" formula for to use when calculating DSCR?

Thanks in advance.