I live in Phuket and I am on my first 90 days of non-o immigrant visa. I get the permanent one year retirement visa in a couple weeks. I asked the head of the local Bangkok bank and he said I have no problem to worry about.
I flew to Cambodia where the hotel rooms are only $30 a night. I applied for the E online visa through the Thai embassy (non-o immigrant). Had to stay there two weeks, but it was very cheap. Returned with my Visa in my email.
I was in the same position when I came in January. Pretty much unless I used an agent I was not going to get a non-0 visa while I was in Thailand. I actually had to go to Cambodia and file for the E Visa online the day. I got there. It took Tuk 10 full business days so I was actually there for two weeks. Fortunately hotel rooms are ridiculously cheap in Cambodia.