Hi John,
When you are not using an Auctiva template, the images are displayed below your descripiton by default.
In order to place your images above your description while not using a template, you can place your images directly into the description editor using the "Freetiva Image" button on the bottom right of the editor toolbar; this buitton has a mountain/sun icon on it. Then, after adding your images to the editor, you can place your cursor below them and beging typing your description.
FYI: Images added to your listings using the "Freetiva Image" will appear in thr listings in their original sizes and will not contain the "Click to Supersize option.
-Mike