I agree with Ajijic. The situation is very fluid. For example, my husband (who had an FM3 visa) and I (FM2 visa) have been to the immigration office in Chapala and to Guad several times and no one seems to know what is going on. I had to show financial statements for a year to the equivalent of 1,500,000 pesos (about 125,000 dollars Cdn). My husband didn't have to show any financial statements at all. Every time we go there, it seems that the situation has changed. But, the staff are friendly and polite and poco a poco we are advancing on the process. We have a British Columbia plated car and our visas have now expired and the permenente ones are still in process after more than two months. Are we going to sell our car? No. Are we going to drive carefully? Yes!
I believe that this will all sort itself out down the road. No pun intended