But if I go ahead and not use any joint sponsor, what is the risk? What happens if the I864 does not get accepted? Do I then have a chance to use a joint sponsor at that point, which puts the immigration process back many months or what? What would happen? I feel it is safer to wait to get a joint sponsor now rather than risk it... my assets suffered a significant loss this year, but I am still at approx. 200K total. This is over the 3x HOWEVER I dont have current income this year.