Posting this here so that others don't make the same mistake for their IR 1 or CR 1 interviews:
My wife appeared for her IR 1 interview on Oct 12 at the Mumbai consulate. The interview went well but she was given a 221g refusal because the consular officer determined the file was incomplete. The document in question was Tax Return Transcripts - they insisted on having either a Tax Return transcript or a W2. Tax returns of last 4 years and financial statements from banks and investments weren't sufficient. Our income and investments are way above the limit but I don't have a W2 because I am an entrepreneur and don't take a salary from my businesses.
Luckily, she was asked to submit the transcript and passport to a local VFS pick up center so the visa should still come through. But it created a very tense and panicky few hours for us.
Learning for everyone : Make sure you submit your IRS transcripts, not just tax returns, if you don't have a W2.