[richcollins]

You're right, you'd have to wait 2 years:

have made at least $200,000 each year for the last two years (or $300,000 together with his or her spouse if married) and have the expectation to make the same amount this year."[1] This rule came into effect in 1933 by way of the Securities Act of 1933.[citation needed]

You wouldn't for my "even better" option.