Ask your broker if they offer "limited margin" for IRA accounts. I have that with TD Ameritrade and Fidelity. You can't borrow on the margin (and I don't want to), but it's just a way to get around the 3 day funds clearing hurdle.
As for the daytrading rule, it's the same. You must have 25k in the acct to make unlimited daytrades or if you have under $25k you are limited to 3 daytrades in a 5 day rolling period.
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