What to Compare
Compare ownership, the full payment schedule and the service obligations in the actual solar proposal. Do not base a new installation’s budget on the expired federal Residential Clean Energy Credit: the IRS says it is unavailable for property placed in service after December 31, 2025. Verify your utility’s current interconnection and billing terms before modeling bill changes.
Head-to-Head Breakdown
Side-by-Side Comparison
| Solar Loan / Cash | Solar Lease / PPA | |
|---|---|---|
| Ownership | For a cash purchase or loan, identify the owner in the documents | For a lease or energy-purchase offer, identify the equipment owner |
| Payment schedule | Separate cash price, financed amount, interest and fees | Request the full schedule and any escalation terms |
| Federal credit | Do not assume the expired residential credit for a new installation | Ask a qualified tax adviser about the actual arrangement; do not assume an owner credit |
| Maintenance | Read who handles failures, removal and roof access | Read the provider obligations and exclusions |
| Moving home | Ask about loan payoff, liens and required transfer steps | Ask about transfer, buyout, removal and buyer qualification terms |
| Utility bill | Use the applicable utility tariff and proposed production assumptions | Use the same utility tariff and production assumptions |
Frequently Asked Questions
Does paying with a loan create eligibility for the old federal credit?
What happened to the previous claim about 2024 Florida net-metering changes?
Which payment option saves the most?
Should I buy out an existing lease?
Sources and scope
Source review: 2026-09-08. AI-assisted official-document review. Corrects expired residential credit and explicitly withdraws unsupported 2024 Florida net-metering story. IRS supports the cutoff; remaining content is a proposal-review framework, not a tax placement decision or a financial return estimate.
Official documents reviewed September 8, 2026. No matched local quotes, hands-on product trial or provider performance survey was conducted. Confirm the exact offer and conditions.
Browse Florida Solar Installation Listings
These public listings share the broad solar installation category. Inclusion does not confirm that a business supplies the products or specialist services discussed above. Ask about the exact work, credentials and current availability before requesting a quote.