What do you mean by payment holds?
Back in the day, customers paid you, the money cleared immediately and you could use the money to buy the product, then pocket the difference. This was back in 2005-2008ish. I kick myself everyday for not going harder. I was 18 then. I was making a few hundred a week. I could have made thousands easily now I think about how easy and wide open it was back then.
Now eBay puts a 21 day hold on funds when you're a new seller. So you're going to have build up a selling history before they let your funds clear.
Also....the chinese sellers cut into eBay a long time ago. Another reason I regret not going harder years ago. Trying to find a market they haven't cornered will be difficult. Possible but, difficult. Good luck breh.