I understand about Texas homeowners associations and their restrictions. When I bought a house there I first looked at the association restrictions before even looking at the houses in the development. I ended up buying a "used" house to avoid the restrictions.
"Overweight" is largely a matter of definition. Trucks are rated at the factory based on how they are equipped and yet it is not a big deal to change out the shocks or the rims or the tires or to add overload springs or air bags and change the load capacity of the truck. Stock trucks on a dealer's lot can have differences in payload rating of 2,000 lbs. or more and some 2500 trucks are rated higher than some 3500 trucks based on the tires and the number of passengers that can fit in the cab.