do you have first hand knowledge of this ? I'd really like to meet someone who tried. It seems you're basing this assertion on your interpretation of the rules, and I doubt you read it in the original thai. This appears to be the relevant document, says
*****
per month OR the 800k/ 2 month before / 3 month after.
My experience tells me that the guys doing extensions in jomtien have no idea or record of how you did it the previous year. I remain skeptical of what you claim. I'm going with my friend next week to get his first annual based on 800k. I'll ask them.
Keep photos on your phone of all important pages, latest visa, entry stamp, admitted until stamp, 90 day report, tm30. Send it in immediately after your next 90 day report. Ain't nobody gonna hassle you while you're waiting for a passport renewal. Once you get the new and old back, you go to immigration and they transfer the visa and stamps
If they don't like the answers, visa is denied immediately and they don't even look at your documents.
Being married is better than girlfriend
If you, the US citizen sponsor/husband, can prove you live in Thailand full time with your wife and have no property in the USA and no intention to make a domicile in the USA, this helps.
If your thai girlfriend/spouse has relatives living in the USA, this hurts your chances because these people will help her if she decides to overstay.
jomtien didn't care and didn't require stamps. The printed statement from the mobile app was sufficient for obtaining the initial 90 day O visa as well as the one year extension. I provided photocopies of my bankbook as well. I did this for myself and my friend, and was successful four times (two initial O visas, two one year extensions)
Only the balance and monthly deposit letters from the bank had stamps on them.
There's remitly in addition to the others listed above, but wise is the only one that can make it appear in your thai bank account as a foreign transfer