Questions about refinancing

[Sally Saladino]

Me and my boyfriend bought this Duplex in Anderson IN on very steep terms. We have it on contract at 6 years for $30,000 with $3,000 down and paying 10% interest. Both units are rented and it makes $800 monthly. We are paying for property taxes too, so it equals to $576.45 monthly. Then the property management takes out $80 and we also pay water and sewer, so right now we are currently negative. We should've been smarter about this property but we got eager and jumped the gun. I just want to fix it now and make it profitable. I would like to refinance it with a bank for 30 years at 6%, that would be ideal, but I am open and would like different options. I've been told private money and hard money won't lend me that because of the amount of years I want. My question is, What would be the best option for me get it the property refinanced?