need to clarify about t+3, page-11

You must deposit cash into your account to cover the purchase (plus brokerage) before the settlement date.

In the event you don't have the funds, you will have to sell your parcel the following day, in which case you are able to afford a loss of up to $2,000, less brokerage. This will ensure that you don't incur overdraft fees etc.

Hopefully you will make a profit :-)