Spreadsheets (expenses - loan payment)

[Jerome Hanson]

I've looked at quite a few rental property template spreadsheets now and can't quite figure out why none of them (or at least the ones I've seen) don't give you a place to input your mortgage/loan payment as a monthly expense.  They all just seem to cater to mortgage insurance.  I understand that the mortgage payment isn't technically an operating expense, but you still have to account for it if you wanna know your profits/losses.  Am I missing something?