Or can additional names be included on the deed (joint tenancy) without negatively affecting the banks loan decision?

The seller has now put the house back on the market , but not returned any of my money including the earnest deposit.

As a result and from a tax planning perspective, individuals will process partial Rothconversions each year and higher amounts in years that they don't have high earned income earnings because the amount converted from the IRA to the Roth IRA is included in your taxable income for the year of Roth conversion.

Is that seperate or included, and if included how much? 

The 5K was a precaution against any unforeseen expenses before my last walk through and I would definitely make sure if they were necessary before including that in my final offer.

Many here, if not most, are looking for a property going for 70% ARV or cheaper including the cost of repairs.  

I also live in Mesa, I am a Licensed Real Estate Agent, and my clients include investors who fix and flip and buy and hold.Please feel free to contact me if I may be of any further help.Thanks,Jane

Make sure to include all the people currently living in the residence on the new lease.

On the part that asks if you would like to "include absentee owners," I clicked no preference. 

Conforming rules allow for you now to convert your primary to an investment, regardless of your equity position.As for the Duplex, they should be able to utilize a rent schedule, done by the appraiser, included on the appraisal, in order to offset a large percentage of the PITI.