@Quint Powell Like @Prestin Sokoloski said you have expenses that aren't recurring monthly.

The amount of money you can borrow is based off your gross monthly income and your recurring monthly liability payments (credit card payments, student loans payment, auto payments, etc.).

I don't use it's payment collection option, but instead use Quickbooks Online's invoicing and automated recurring payment feature.  

I had to provide a Profit & Loss statement, have someone confirm I am indeed "up and running" even during recurring shutdowns, and the lender needed copies of both my personal and business accounts for the past 3-4 months.

I used the QuickBooks  memorized transactions lists, and used memorized transactions to split recurring fees.

I haven't tried this yet myself.Note that the cost of the Minut Hardware is higher than NoiseAware but the recurring subscription fees are much lower ($7.99). 

I use Propertyware and it allows me to enter recurring charges on a weekly, monthly, quarterly, or semi-annual, or annual basis.

So maybe I should have plugged in higher recurring repair costs!!

I think you can set it up to be recurring. 

Umbrella Insurance is still not too expensive, but is a recurring charge and usually exceeds the fee for an LLC by a relatively wide margin.Note, I am not an insurance broker and do not have expertise in this, but from my experience, an Umbrella Policy tends to be a bit overkill unless you expect a lot of issues like moderately expensive lawsuits.