They got me a quote from another provider and it was about 5x my current premium.  

Dropping the price further would result in  more loss of at least $50,000 due to agent fees.Questions:Given my current situation, would you recommend selling the property, including offering seller financing, or keeping it as a long-term rental for a few years and then considering selling?

We are currently working on refinancing it.

I currently have about 300k in equity in the home and I want to utilize it. 

I'm currently about 70% occupied but ONLY generating 50% of the potential rent due to concessions.

I know you said they're occupied currently but should that change the 16 hour round trip to show your unit is going to be killer. 

My fiancé and I are considering selling our current primary residence in 9 months (after we hit the 2 year mark), and also our last primary residence.

Over several years, I have worked hard to save up for a down payment, and I currently have $200k set aside in a money market account ready to be put to use.

Our household income is currently $320k pre-tax, but I might be getting a new job soon, which could bump our income to around $380-400k pre-tax.Initially, we planned to buy a property and convert it into a duplex, but with houses in our area starting at $650k, we've started considering a different approach.

I am currently under contract for a duplex in a rural area marked for development.There are 2-3 huge commercial real estate properties being built within the next couple of years (currently under construction).