The number is ticking up but Ohio is still fine in vast majority of cases - anything over loan balance of $110,223 (2024 limit) doesn't apply - since most DSCR lenders have minimums around $100k loan amount, barely affects thingshttps://com.ohio.gov/divisions-and-programs/financial-institutions/consumer-finance/guides-and-resources/loan-prepayment-penalty-and-adjustment#:~:text=Effective%20January%201%2C%202024%2C%20no,loan%20of%20less%20than%20%24110%2C223.

It's easy if you have unlimited capital if not you'll have to carefully use your capital resources (or get a partner) to continue to acquire properties. 

Our financial backing underscored our dedication to providing essential resources for successful real estate ventures, facilitating a seamless and profitable transaction with our partner, Seth Choate.

Our financial support demonstrated our commitment to providing the necessary resources for successful real estate investments, enabling a smooth and profitable transaction in collaboration with our partner, Seth Choate.

Depending on what one can defensibly argue for the allocation of the sale price, it may or may not be an issue. 

Our financial support demonstrated our commitment to providing the necessary resources for successful real estate investments, enabling a smooth and profitable transaction in collaboration with our partner, Otis "Lee" Sams.

I spent a tremendous amount of time and resources on those types of things in the beginning.

This is a good resource for you! 

@Daniel McDonald will be a good house hacking resource to you in Mass.

Also, don't deprioritize building a financial cushion by allocating a portion of your income to an investment fund for down payments and property improvements.