I have no idea if it's an option, but as a contingency plan, do you have anyone you can ask to gift you the money to hold in a bank account for 6 months prior to the application being submitted? Just as you have enough time right now for that to "work".
As Margo said, they have relaxed the requirements due to COVID, but no idea how long that will last. Big hugs, we are alllll in the same boat right now (with the uncertain future state of the economy).