Dan Lesniak is joined by Nick Bush and Karl Svendsen for a panel discussion on AI regulation, rising interest rates, creative financing, and the business activities agents need to do even when they feel uncomfortable.

Karl explains why he has moved away from temporary rate buydowns and why adjustable rate mortgages may serve some buyers better. Nick shares why podcasting helped his brand but did not become a major lead generation source. Dan explains why a job loss guarantee program that once made sense in the DC market is no longer a major focus.

The panel also discusses the recent push from major AI leaders for government regulation, whether AI fears are overblown, and how agents can use AI to save time, update CRMs, improve follow-up, and create better client experiences.

They then break down what agents should do if rates continue rising, including learning assumable loans, secondary financing, seller financing, subject-to deals, and other creative strategies that can help buyers focus on payment instead of just price.

The episode closes with a conversation about cold calling, expired listings, database calls, and why uncomfortable conversations remain one of the fastest ways for agents to grow.

If you want practical ideas for navigating AI, higher rates, creative financing, and lead generation, this episode gives you a clear look at what agents should be doing now.