Can I insert photo within the text?

Using ebay i can insert in the text extra photo as http without paying extra charge. It is possible with 6.9.8 version of garage sale?

Garage Sale has an HTML editor view.
It allows you to enter your own custom HTML.
You could point to the photos on your server and add them to your listing, it will be more work on your part, but it will allow you to have more control over your format.

Garage sale will still allow you to post your listing, I’m pretty sure.

Yes that’s easily possible and happens fully automatic if you switch over to “GarageSale Free Image” server or your own web server in the image preferences. GarageSale will upload your images to our own server and embed links to your images directly in the item description.