How do you convert bytes of bitmap into x, y location of pixels?

Answer 1

Where does the first pixel of bmBits start? When x and y are both 0. Is that the top left, bottom left, bottom right or top right?

To answer that question, you could construct an image with unique colors at each corner of the image. From there just query the first pixel.

Answer 2

The first pixel is typically the bottom-left, though it can be top-left if the height is specified as a negative number.

The scanlines are organized left to right. Note that the scanlines are padded to DWORD boundaries, so the "stride" (distance from one scanline to the next) may be a little more than the actual width of the line.