Seller credits + repair credits... Can I bundle the two?

[Gary Ryan Herndon]

Greetings BP community,

I recently placed my first rental property under contract for 100k a month ago in Atlanta, Ga. I was initially using a hard money lender because of income verification issues but I was able to partner with someone on the deal and qualify for a conventional loan with better terms. My question is, I originally negotiated to receive 6% in seller concessions/ closing costs from the seller and he agreed. The conventional loan will only allow me to receive up to 3% in seller concessions so is there any creative strategies for me to circumvent the 3% ceiling and allocate the credits to something else within the deal so I won't have to leave any money on the table? The home will still need a few cosmetic repairs that the 3% could be allocated towards but I know that the closing costs and repairs are all inclusive within the allotted 3% seller contribution amount.

Any help or insight is greatly appreciated. I am also the investor buyer/ realtor in this deal.