We’ve had quite a few cases come through where they were $700, $800, $900 or more over the annual income required, but yet they still received an RFE and the adjudicating officer was requesting a joint sponsor. Another thing to keep in mind, it is at the USCIS officer’s discretion or the consular officer’s discretion as to whether or not they will accept assets. We’ve submitted some cases with assets and they were approved, and other cases we’ve submitted assets and they were denied. So just keep in mind that everything is at the discretion of the adjudicating officer as to what they’ll accept or not.
When you go into this process, keep an open mind and know that there’s a good chance you’ll probably receive a request for evidence when your income is lower or just barely meets the minimum required amount, even if you technically meet it. Especially if there are other issues suspect about your case, like a large age gap or language barrier.