Courtesy of Mukul LalchandaniMukul Lalchandani, a real estate agent, discusses the impact of new commission rules.The new rules mean that sellers no longer have to pay the buyer's agent commission.These changes may most affect low-income buyers, but Lalchandani says his clients won't be affected.This as-told-to essay is based on a conversation with Mukul Lalchandani, a 44-year-old real-estate agent from New York.