Theres a few things in play here. 1, i understand your concern for loudness because if your beats are going to be auditioned on a beat site and a client has been listening to one producers beats who are a db or 2 louder than yours, then they play yours, it may be perceived as not as good, but, you can always bounce a version that is louder but make the actual download at a reasonable level.
2. its really not about where the track is peaking, but more about how much master bus limiting youre doing. if youre not doing any limiting, then you can bounce your mix just under 0dbfs, because a mixing engineer can just lower your beat however many db they want to give them proper headroom to mix the vocals in. This wasnt a good idea back in the tape days because doing that wouls raise the noise floor, but there is no noise in the box so you can do that. but if you limit the master bus, that cannot be undone. even if you set the limiter output to -3db, if youre doing 3db of limiting gain reduction then thats peaks you will never get back.
my suggestion would be to not use a limiter on the master bus for your beats unless its very tasteful, and absolutely necessary to achieve the sound you are going for. if you dont use a limiter then you can export the beat as loud as you can make it without clipping 0dbfs.