Are you able to actually retract your foreskin, clean it properly and dry it off?
The moisture that the foreskin can trap can be a breeding ground for germs and infection. It's really important to clean underneath it thoroughly and regularly.
The rash/sore you're experiencing could be a reaction to anything that is under your foreskin. It's not your fault that you have a tight foreskin and can't clean it. There are several foreskin stretching techniques you can try so that you can retract it without any pain or damage.
You can also consult a health professional about it if you're having difficulty.
Frequent masturbation itself won't harm you. That's probably not what's causing the irritation you're experiencing.
I hope this helps!