Your question is really how soon a transcript will be available. I'm not sure that happens instantly after the return is processed, especially for a past year. I suggest that you discuss with the lender whether they could be a little flexible about the requirements. Maybe they would accept a copy of the tax return and the certified mail proof of delivery. Sometimes the first-line lender representatives just rigidly follow a checklist. Ask to talk to someone higher up. Your real estate broker or mortgage broker might be able to help, too.
