If you run profit and loss report it doesn't show financing activity (ie. transfers). So you don't get a picture of profit after debt service (ie. TOTAL MONEY OUT)

If you run a cash flow statement it only shows account balance changes for the given time period and can't be shown as monthly totals. So you can't compare cash flow of september to cash flow for october NOR can you see what you spent on any category.

It's infuriating that such a simple and what would seemingly be a pretty common need to know, is so ridiculously hard to figure out.   I mean any loan you apply for needs to know total money in and total money out INCLUDING debt service (not just "Interest Expense").   Ideally it would be the Profit and Loss report with Transfers to liability accounts in it's own section or in the expense section.