Depends on Embassy/Consulate. I switched from non-O retirement to DTV, and all I did was register a business name, get an Australian Business Number (both of which can be done online very easily and low cost). I nominated my daughter as the "secretary" and she gave me a work contract (template online) stating my duties can be performed remotely in Thailand. The business consults and manages my Australian investment properties. Absolutely no dollar figures were given. I am simply a "remote worker". The approval took three days. Now I've got the five-year visa which beats the crap out of the pedantic non-O 👍👍