Duplex but has 3 units FHA loan

[Jose Perez]

Im trying to purchase my first rental property with an FHA loan, but the property Im looking at is a Duplex on paper.. but has 3 units(the owner hasn't done the paperwork for the legal 3rd unit. The price is about 80,000 above the max amount i can borrow with an FHA based on it being a duplex, if it was a triplex I would be able to get the loan. Does anybody have some suggestion or creative ways of negotiating with the seller for me to take advantage of the 3.5% down?