Forty common bean accessions of multiple genetic background trait attribution regarding drought tolerance were selected based on mean yield performance from an earlier field test evaluation conducted using augmented RCBD. The various bean genotypes were further evaluated with phosphorus and water treatment interactions at two different levels for each factor. The experiment was conducted in a 2 × 2 × 40 factorial using RCBD with three replications under screen-house conditions at the CSIR-Crops Research Institute, Kumasi-Ghana. The objective was to select drought- and low phosphorus-tolerant common bean genotypes; which are suitable for tropical climatic conditions. The results showed that common bean with drought and heat trait tolerance survived, developed flowers and podded with seeds to physiological maturity, whilst genotypes with no heat trait tolerance had impaired reproductive structural development and growth disruption; thus, flowers could not develop into pods with seeds. This reproductive developmental anomaly was due to prevailing average daytime and nighttime high temperatures of 35.45 °C and 29.95 °C, respectively, recorded during the growth period, which reduced pollen fertility. Among the 478 experimental bean plants (two plants were missing) analyzed, 141 (29.5%) did not flower, 168 (35.18%) had their pods dropped whilst 99 (20.7%) podded with seeds to achieve physiological maturity. The podded-seed bean genotypes were of the SEF-line pedigrees, which were shown to be heat and drought-tolerant. Meanwhile, bean accessions with SMC, SMN and SMR code prefixes did not pod into seed despite possessing drought-tolerant traits. The effects of interactions between phosphorus and water treatments on the root characteristics of drought-tolerant common bean were as follows: root length, root surface area, average root diameter and root volume growth extensions doubled dimensionally under optimum conditions (P₂W₂) compared to stressed conditions (P₁W₁). The results from the present study identified four SEF-bean genotypes, namely, SEF15, SEF 47, SEF 60 and SEF 62, as superior yield performers, even under low soil phosphorus and in extreme high temperature conditions. Therefore, breeding for the selection of drought- and low-P-tolerant common bean for tropical agro-ecological environments must also consider concomitant heat stress tolerance.