I'm loading a top-down TGA file, took me a while to figure out how to tell CreateDIBitmap that it's top-down. Now I'm realizing I could both support top-down and bottom-up files, the only thing is that I don't know where in the file it's specified whether it's top-down.
At offset 8 there are two WORDs indicating the 'origin' of the image, but they're not used in a bottom-up TGA, neither in a top-down one.