What type of ownership do David and Susan have if they are tenants in common?

When David and Susan are identified as tenants in common, it means they own a shared property, but their ownership structure has specific characteristics that distinguish it from other types of co-ownership, such as joint tenancy.

In a tenants in common arrangement, each owner holds an individual share of the property. This means that if one of the owners passes away, their ownership share does not automatically transfer to the surviving owner. Instead, the deceased owner's share can be passed on to their heirs through a will or the laws of intestate succession. This is significant because it allows the owners to maintain distinct ownership interests that can be sold, transferred, or bequeathed individually, different from other ownership types where shares automatically revert or transfer upon death.

Thus, the correct understanding of ownership in this context—where ownership can be transferred upon a person's death to their heirs—is accurately represented by the identified choice. This characteristic is a key feature of tenants in common ownership, reinforcing the concept that David and Susan can independently manage or transfer their respective shares of the property.