Appraisal higher than purchase price - seller credit limits

[Matt Cottrill]

I have an investment property under contract at 130k with a 4k seller credit to property manager at close. Appraisal landed at 145k. I would love to up my borrowed amount and get a credit for it somehow. My proposal to lender was to credit 10k in closing costs / ppd insurance/taxes and credit an additional 5k to pm, but lender is pushing back indicating there are limits to seller credits - reading online it looks like the 4k credit might already be over the limit, so maybe that would've gotten twisted up before close as well.

Anyone knowledgeable on this have any ideas how I can extract this value? Currently looking at a conventional loan with 20% down, state is SC.