I did a test with the console access and this is what I got:
openhabian@openhabian:/etc $ sudo -u openhab ssh -vvv -p 8101 -i /var/lib/openhab/.ssh/openhab.id_rsa openhab@localhost
OpenSSH_7.9p1 Raspbian-10+deb10u2+rpt1, OpenSSL 1.1.1d 10 Sep 2019
debug1: Reading configuration data /etc/ssh/ssh_config
debug1: /etc/ssh/ssh_config line 19: Applying options for *
debug2: resolving "localhost" port 8101
debug2: ssh_connect_direct
debug1: Connecting to localhost [::1] port 8101.
debug1: connect to address ::1 port 8101: Connection refused
debug1: Connecting to localhost [127.0.0.1] port 8101.
debug1: Connection established.
debug1: identity file /var/lib/openhab/.ssh/openhab.id_rsa type 0
debug1: identity file /var/lib/openhab/.ssh/openhab.id_rsa-cert type -1
debug1: Local version string SSH-2.0-OpenSSH_7.9p1 Raspbian-10+deb10u2+rpt1
debug1: Remote protocol version 2.0, remote software version APACHE-SSHD-2.5.1
debug1: no match: APACHE-SSHD-2.5.1
debug2: fd 3 setting O_NONBLOCK
debug1: Authenticating to localhost:8101 as 'openhab'
debug3: put_host_port: [localhost]:8101
debug3: hostkeys_foreach: reading file "/var/lib/openhab/.ssh/known_hosts"
debug3: record_hostkey: found key type RSA in file /var/lib/openhab/.ssh/known_hosts:1
debug3: load_hostkeys: loaded 1 keys from [localhost]:8101
debug3: order_hostkeyalgs: prefer hostkeyalgs: rsa-sha2-512-cert-v01@openssh.com,rsa-sha2-256-cert-v01@openssh.com,ssh-rsa-cert-v01@openssh.com,rsa-sha2-512,rsa-sha2-256,ssh-rsa
debug3: send packet: type 20
debug1: SSH2_MSG_KEXINIT sent
debug3: receive packet: type 20
debug1: SSH2_MSG_KEXINIT received
debug2: local client KEXINIT proposal
debug2: KEX algorithms: curve25519-sha256,curve25519-sha256@libssh.org,ecdh-sha2-nistp256,ecdh-sha2-nistp384,ecdh-sha2-nistp521,diffie-hellman-group-exchange-sha256,diffie-hellman-group16-sha512,diffie-hellman-group18-sha512,diffie-hellman-group14-sha256,diffie-hellman-group14-sha1,ext-info-c
debug2: host key algorithms: rsa-sha2-512-cert-v01@openssh.com,rsa-sha2-256-cert-v01@openssh.com,ssh-rsa-cert-v01@openssh.com,rsa-sha2-512,rsa-sha2-256,ssh-rsa,ecdsa-sha2-nistp256-cert-v01@openssh.com,ecdsa-sha2-nistp384-cert-v01@openssh.com,ecdsa-sha2-nistp521-cert-v01@openssh.com,ssh-ed25519-cert-v01@openssh.com,ecdsa-sha2-nistp256,ecdsa-sha2-nistp384,ecdsa-sha2-nistp521,ssh-ed25519
debug2: ciphers ctos: chacha20-poly1305@openssh.com,aes128-ctr,aes192-ctr,aes256-ctr,aes128-gcm@openssh.com,aes256-gcm@openssh.com
debug2: ciphers stoc: chacha20-poly1305@openssh.com,aes128-ctr,aes192-ctr,aes256-ctr,aes128-gcm@openssh.com,aes256-gcm@openssh.com
debug2: MACs ctos: umac-64-etm@openssh.com,umac-128-etm@openssh.com,hmac-sha2-256-etm@openssh.com,hmac-sha2-512-etm@openssh.com,hmac-sha1-etm@openssh.com,umac-64@openssh.com,umac-128@openssh.com,hmac-sha2-256,hmac-sha2-512,hmac-sha1
debug2: MACs stoc: umac-64-etm@openssh.com,umac-128-etm@openssh.com,hmac-sha2-256-etm@openssh.com,hmac-sha2-512-etm@openssh.com,hmac-sha1-etm@openssh.com,umac-64@openssh.com,umac-128@openssh.com,hmac-sha2-256,hmac-sha2-512,hmac-sha1
debug2: compression ctos: none,zlib@openssh.com,zlib
debug2: compression stoc: none,zlib@openssh.com,zlib
debug2: languages ctos:
debug2: languages stoc:
debug2: first_kex_follows 0
debug2: reserved 0
debug2: peer server KEXINIT proposal
debug2: KEX algorithms: ecdh-sha2-nistp521,ecdh-sha2-nistp384,ecdh-sha2-nistp256,diffie-hellman-group-exchange-sha256
debug2: host key algorithms: rsa-sha2-512,rsa-sha2-256,ssh-rsa
debug2: ciphers ctos: aes256-ctr,aes192-ctr,aes128-ctr
debug2: ciphers stoc: aes256-ctr,aes192-ctr,aes128-ctr
debug2: MACs ctos: hmac-sha2-512,hmac-sha2-256
debug2: MACs stoc: hmac-sha2-512,hmac-sha2-256
debug2: compression ctos: none,zlib,zlib@openssh.com
debug2: compression stoc: none,zlib,zlib@openssh.com
debug2: languages ctos:
debug2: languages stoc:
debug2: first_kex_follows 0
debug2: reserved 0
debug1: kex: algorithm: ecdh-sha2-nistp256
debug1: kex: host key algorithm: rsa-sha2-512
debug1: kex: server->client cipher: aes128-ctr MAC: hmac-sha2-256 compression: none
debug1: kex: client->server cipher: aes128-ctr MAC: hmac-sha2-256 compression: none
debug3: send packet: type 30
debug1: sending SSH2_MSG_KEX_ECDH_INIT
debug1: expecting SSH2_MSG_KEX_ECDH_REPLY
debug3: receive packet: type 31
debug1: Server host key: ssh-rsa SHA256:fal6VSYNaTnURYcraACNykcDlURq37u0LSOAUqFmQaA
debug3: put_host_port: [127.0.0.1]:8101
debug3: put_host_port: [localhost]:8101
debug3: hostkeys_foreach: reading file "/var/lib/openhab/.ssh/known_hosts"
debug3: record_hostkey: found key type RSA in file /var/lib/openhab/.ssh/known_hosts:1
debug3: load_hostkeys: loaded 1 keys from [localhost]:8101
debug1: Host '[localhost]:8101' is known and matches the RSA host key.
debug1: Found key in /var/lib/openhab/.ssh/known_hosts:1
debug3: send packet: type 21
debug2: set_newkeys: mode 1
debug1: rekey after 4294967296 blocks
debug1: SSH2_MSG_NEWKEYS sent
debug1: expecting SSH2_MSG_NEWKEYS
debug3: receive packet: type 21
debug1: SSH2_MSG_NEWKEYS received
debug2: set_newkeys: mode 0
debug1: rekey after 4294967296 blocks
debug1: Will attempt key: /var/lib/openhab/.ssh/openhab.id_rsa RSA SHA256*xxxxxxxxxx* explicit
debug2: pubkey_prepare: done
debug3: send packet: type 5
debug3: receive packet: type 6
debug2: service_accept: ssh-userauth
debug1: SSH2_MSG_SERVICE_ACCEPT received
debug3: send packet: type 50
debug3: receive packet: type 51
debug1: Authentications that can continue: keyboard-interactive,password,publickey
debug3: start over, passed a different list keyboard-interactive,password,publickey
debug3: preferred gssapi-keyex,gssapi-with-mic,publickey,keyboard-interactive,password
debug3: authmethod_lookup publickey
debug3: remaining preferred: keyboard-interactive,password
debug3: authmethod_is_enabled publickey
debug1: Next authentication method: publickey
debug1: Offering public key: /var/lib/openhab/.ssh/openhab.id_rsa RSA SHA256:*xxxxxxxxx* explicit
debug3: send packet: type 50
debug2: we sent a publickey packet, wait for reply
debug3: receive packet: type 51
debug1: Authentications that can continue: keyboard-interactive,password,publickey
debug2: we did not send a packet, disable method
debug3: authmethod_lookup keyboard-interactive
debug3: remaining preferred: password
debug3: authmethod_is_enabled keyboard-interactive
debug1: Next authentication method: keyboard-interactive
debug2: userauth_kbdint
debug3: send packet: type 50
debug2: we sent a keyboard-interactive packet, wait for reply
debug3: receive packet: type 60
debug2: input_userauth_info_req
Password authentication
debug2: input_userauth_info_req: num_prompts 1
Password: