OK. Thanks. I see why they can't decide if the joint sponsor is qualified. Current income is what is used to support a new immigrant....not what was reported to the IRS in previous years. You included nothing to prove that annual income of $405,000. In addition, his I-864 shows negative income for 2024, the most recent tax year. Current income can be shown by using recent pay stubs or a salary statement from the employer. Using his home as assets would be very problematic. I would not try that.
You might be better off getting a new joint sponsor....one with clearly documented sufficient annual income. You get one shot with this RFE. If your response is not sufficient, you could get a swift denial.
@Dashinka @OldUser @appleblossom What say you?