@TrustyJules
As I said, Tradier does it weird and nasty (hopefully they will reform). Read the official Finra doc, I will try to attach ... I think Tradier is going by the "letter of the law" on this, and it seems to say that the $25k thing is only applicable to whether or not you can actually BE a pattern day trader. Anyway on the phone with Tradier they insisted on this "fact" over and over again, saying they know exactly what they are talking about ... PDT rules apply to RegT margin accounts whether you have $25k or $25mm of net liq. Main difference is, the more net liq you have the greater the "Day Trade Buying Power" ... so I jacked my account up to $250k to get some breathing room, but it still sucks, for example if you are day trading stocks you can use up $1mm in PDT buying power in a few minutes.
I had a dim bulb on this because all my trading accounts for the last 15-20 years have been portfolio margin ... it was all a rude surprise to me.
Finra_PDT_rules.pdf