Need a DSCR Lender

[Henry Bagh]

Hello, I'm based out of Cali and i'm thinking of purchasing my first section 8 rental property in Cleveland, Ohio. 

Purchase price $75-100k. 
Does anyone have any good lender recommendations for DSCR loans?

Whoever I've called has about $4-5k in closing costs, which is a lot in comparison to the purchase price. 

I know most lenders are in the 8-8.5% price range, but are there any with lower closing costs and little/no prepayment penalties?

Thank you for your help in advance!