Real Estate Agent(s) and Commission

[Nancy Shen]

I was in the process of talking to a realtor about listing my out of state rental property for sale (no agreement signed yet). Then, I found out a neighbor, represented by an agent already, is interested in buying the property. I found out because the neighbor's agent sent direct mail advertisement. If I go with the neighbor's agent, commission is 4%- all of which goes to that 1 agent (although I may be able to negotiate this down to 3% as only 1 agent would be involved). If I sign with "my" realtor, these are the terms:

1) If the property is NOT listed for sale / advertised, and there are two agents involved in the transaction, the commission can be adjusted to 4.5% split equally between both agents

2) If the property is listed for sale / advertised, the commission is 6%

If I sign with "my" realtor, in a sense, the neighbor's agent gets shafted. Any recommendations for this situation?