I was just getting ready to post about the delay in cash settlement. If you are trading stocks/ETFs in an account < $25K, you're going to have limitations whether it's cash or margin. You'll either be limited to 4 round-trip trades per week or you'll have to wait for cash settlement. The only way I know to get around it is to trade futures. If it's a small account, I'd recommend micros, especially if there are many false signals. If I wanted to bypass the PDT, I'd look at the micros and find an index or commodity micro market to follow and (in a paper trading account, of course!) test my strategy on that.