Sometimes working with a rebate company will not provide a return of buyer agent $$. I have heard of recent coop commissions having a base commission for producing a buyer and a bonus for provdiing all buyer agent services. Example: The base commission is .5% with a 2.5% bonus. This means that a company that did not provide all buyer agent support services could not claim the 2.5% bonus, and that the listing agent would retain the bonus for picking up that workload. If the rebate company is willing to perform all buyer agent functions as outlined as requried to receive the bonus, they can claim the bonus and they are free to rebate any or all of it to their buyer clients. The challenge is that many rebate companies are not set up to provide these comprehensive services. I am familiar w/ this coop compensation of base commission plus bonus to provide fair compensation for fair work and services provided. When the workload shifts to the listing agent, he/she is compensated apprpriately for the work performed.
Someone has to schedule showings, inspectors, appraisers, etc. Someone has to discuss and explain the details. If you are able to do this equally as proficiently on your own, you can ask a listing agent if any consideration might be given. The ulitmate decision on that rests with the broker. You can ask....but chances are the answer may be no.
A marketing and listing contract exists between the seller and the broker. You are not a party to that contract, and actually, neither is the lisitng agent. You cannot write in a different commision amount on your purchase offer. Only the seller and broker can modify the terms of the listing contract. A seller contracts with a broker for marekting and representation through, and even post closing. The listing broker offers to share his/her fee with other brokers if another broker has a buyer. If the buyer does not come through another broker, it doesn't reduce the contract amount.
Compare: A furniture store hires a local advertising agency who runs a marketing and PR campaign. I walk into the furniture store and explain that I did not find the store because of their advertising or PR, but rather I found it on my own. Therefore, could you, Mr. Furniture store, reduce the amount you pay to the marketing company by "x" $$ and take those x "$$" off my purchase. After all, they didn't get me as a customer, I found you. I tired this last week, they said no. They said they had to pay their marketing company in accordance with their agreement.
The sellers agent has an obligation to market the property for the commission amount that he/she might only retain form the seller side. However, when there is a legitimate and professional buyer agent representing the buyer, the workload, and the liability is reduced for the seller's agent. In absence of a legimitmate and professional buyer agent, the seller's agent now absorbs additional workload and also additional liability in the transaction.
BTW....our company insurance is rated by volume, and in absence of another agent, we pay insurance premium on the entire amount. If there is another broker, we pay premium on 1/2 the sales amount. In absence of another agent, the broker liability and expense may also increase.
For these reasons, you might find some agents/brokers may not be receptive to your concept of representing yourself....or if they are....you might be asked to sign extensive waivers that limit the listing broker's liability.
Disclaimer: The numbers used in this repsonse were the numbers provided by the question poster and are for education and illustration only. Commissions and fees are negotiated between brokers and their clients and vary according to the services provided, companies, and regions. There is no such thing as a standard commission.