you have to do the 90 day and 1st extension using the 800k.Only way around it is an Agent and then that starts the agent wheel, where you need an agent every year.
you will have to ask your local immigration if they will allow that change.You will likely have to exit and start fresh with either a non-o evisa or apply in country as a tourist.
Then for the second extension prove you have deposited 65k plus per month, every month for the entire year and switch to the income method.
Remember you must follow the money rules for that first extension, 800k 3 months after approval, never below 400k and best practice make sure you top up to 800k again 2 mths before trying to switch.
That way if anything is wrong you can still get accepted with the banked method.
Whether you think you qualify is irrelevant if immigration says no.