I know it's a pretty wild cast, would like to hear from the local experts to help narrow down to specific zones/cities based on the current trends and experience/occupancy.   

If you had a turnkey apartment building with 5+ units the value is based on the income not comparable sales.

As for paying with certified check, in most counties you only need to pay a deposit; the sheriff should have rules that set the amount of the deposit to be a percentage of the winning bid or a fixed minimum amount, whichever is greater.You determine your maximum bid, and then get checks sufficient to pay that deposit amount based on your maximum bid.

Based in Katy, TX, I have a mortgage and my DTI ratio is 30%.

But based on what you posted you would be allowed to do as you wish with the tiny homes and likely add more if they are a success.Regarding the first part of this thread it's worth noting that there is no zoning in the City of Houston.

I'm assuming this was for a US based caller?

Most lenders would base their numbers off of the initial purchase price until the property has hit a ‘seasoning’ period.

Rate depends on property type, number of units, LTV, loan amount, FICO, borrower experience, etc....hard to give advice based on the limited info provided. 

There are so many nuances based on each individual's situation.

So assume my base email address is like below, except I had to include spaces in there to get past the BP spam blocker (so take the spaces out when you attempt this of course):sb_____3 @ gmail.comI can insert a '+' and unique like so:sb_____3+unique @ gmail.comI can insert a '+' and BP like so:sb_____3+BP @ gmail.comYou get the idea.