Did you check the gym used by the agency was govt approved and submitted all course docs, 6 plus months course? Some agents use non regulated gyms. Malaysia is the toughest embassy to get DTV approval. Much easier doing it yourself in Vietnam, Laos Indonesia.
Self employed business owners provide a contract for themselves and letter giving permission to work remotely. Need to provide your business registration info
In Vietnam. You can be approved with non seasoned funds. There are many posts of approval to confirm this. Funds must be in a personal account, make a relevant transfer and then apply.