Actually, if yor fairly savvy with HTML--it is possible to copy/paste from the code right into Turbolister. Or, c/p from an existing listing and paste it into the "design" portion of TL when creating (what I would recommend if you have no clue about HTML).
But, you would need to host images on another site and tag them in, or use eBays photo services.
I just went to one of my current auctions and viewed the source to re-create my template within TL.