seller credit no more than 2% of purchase price

[Alex Loginov]

Hey there, if you buy a home as an investment property, and the lender allows a seller credit to be no more than 2% of the purchase price, what options do you have for the remaining amount?

I know that you can reduce the purchase price, but are there any other options to get the remaining funds at closing, instead of spreading them over the years?

Can a title company add the remaining amount to your closing balance (say as a home improvements credit)?

Like if you have a $10K seller credit, but only $8k is allowed by the lender for an investment property loan, what can you do with the remaining $2k?