Found the solution! and of all places it was after talking to a t-mobile rep lol
To master reset the Nokia Lumia 810 (at-least t-mobile branded)
1. Power off your phone.
2. Push these buttons in order (a, then b, then c, then d)
a. Up Volume rocker
b. Down Volume rocker
d. Down Volume rocker
You will get an exclamation mark...restart the phone. It'll show the cogs working..then you're restored to factory firmware and you can set up your accounts now! no more demo phone!