Hello,my name isXXXXX you for this opportunity to answer your questions.I am a different expert. I have a different answer.You may use your assets.The instructions show that a sponsor may show assets in the form of real estate, savings or retirement accounts, brokerage accounts, etc to make up the difference in your annual shortage at a rate of 3 xs the shortage if it is a spouse petition or 5 times for other family members.For a home you would send a copy of your deed and the tax assessment or an appraisal done by an accredited appraiser.For accounts you would send copies of your accounts.See page 7 #1-10http://www.uscis.gov/files/form/i-864instr.pdf
Please also see page 5 of the I-864 which discusses this formula for the assets at the top of the page.
http://www.uscis.gov/files/form/i-864.pdfYou may not need a joint sponsor since you have assets if they meet the 3xs shortage rule but a sponsor can be any US citizen or permanent resident who lives in the US. It does not have to be a relative.Judith
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