It would be because the broker who will do the paper work increases their liability 2x for a potential lawsuit because both the seller and the buyer could complain about something . If you want someone to just guide you through the process and give you the forms I’ll be happy with $1000 as a consulting fee to help you do a for sale by owner . I”m a licensed realtor , loan officer and active flipper . I’ll give you the standard forms and tell you what to do. Pretty easy really