Poor salesmanship.
She's likely trying to double end her commission and/or save money for the developer by not paying a commission.
She's also likely thinking she can get you to pay more without having another agent help your negotiate, not pay less as she's saying.
Most developers are smart and realize a large part of their sales come through realtors and they're therefore happy to building that commission into their cost structure as you've mentioned.
Some sales people are short sighted like this, and don't realize that realtor could be a steady referral of buyers for many more sales to come.
More often than not, if your Realtor is good they will actually end up getting you a better price than without as well. I've been shocked at the overpayment some people have paid for new homes, when sales people told them they were saving by not having an agent.
Do what feels right to you, but I would see red flags if she's trying to avoid the agent getting involved. It sounds like they're wanting to hide something or keep more control over the negotiations.
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