Duplex Deal In NY What Should I Do?

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I have a duplex in Rural NY. With todays climate...I Can Not Find Anyone To Refi Me Out of My Current HML. I have it listed privately on FB and FSBO but every offer has been a LOW BALL offer. Stuck On This One...See Details Below.

2 Fam Duplex (2 - Colonial Homes Attached)

- AS-IS Value: $300k

- Rental Income: $3200/month (Fully Occupied)

- Current Mortgage Payment: $1,300

- Taxes: $11,000/yr

- Insurance: $1,200/month

- Expense: $1,200/yr

- Owed To Current Lender: $141,000

If I can get a Loan Amount of $195,000 (Bridge or 30yr) I'd keep it...

Offers So Far: $180k to $200k