"Maximum bid" is based on the value of the property, from comps or however you choose to derive that value.

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.

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

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

Skiptrace the address so you can get the potential phone numbers of the current owners.

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.

Gustavo Munoz Castro my business partner and I skip trace our entire direct mail list for phone numbers so we always have ample amounts of potential sellers to dial and gauge motivation.

So yeah, using BP from my phone is different!