This course explains Tenancy vs Ownership Risk and how risk differences arising from tenancy arrangements versus land ownership structures are evaluated within Agri & Rural Commercial Credit. It covers the key dimensions of validation of landholding structures, ownership/tenancy, title continuity, and sector risk, emphasizing the need for structured assessment, clear boundary definition, and independent validation before credit decisions are finalized. The course also distinguishes Tenancy vs Ownership Risk from broader portfolio diversification strategies, and highlights its role within Land & Ownership Due Diligence, where the credit analyst executes assessments, completes documentation, and flags exceptions for review, including escalation to credit committees where required.