Onsite agent is NOT dual agent if buyer doesn't have outside representation. Onsite agent is employed by the builder and represents the builder. The builder has written a purchase contract in its own best interest, and the onsite agent uses that contract. There's not necessarily a double dip, there is just a co-op that was built into the price that is now not used and put into the builder's profits.
A buyer's agent is to know where the buyer's needs and priorities lie and check to ensure the purchase contract and the entire process suits the buyer's needs and priorities and protects the buyer's interests. As far as incentives, etc, it is your job to find out all available and if none are available that suit your buyer, negotiate something that does.
--A