Shoot for a 90 day Non O visa from the USA if you qualify for it. If not, get a 60 day tourist visa and then a 30 day extension at the highly capricious zoos called immigration offices. Or get a 6 month METV (multiple entry tourist visa). My suggestions anyway, but I am no expert.
Is there a easy way to find out which particular offices accept 40k instead of the standard 56k income? Also, are you speaking regarding retirement visas in addition to a marriage visa, or only marriage visas? Thanks a bunch!