Best long-term ROI
Cash
- Lowest lifetime cost.
- 30% federal tax credit applied at filing.
- Payback period typically 6–9 years on Texas rates.
- Best for owners with the liquidity and tax appetite.
Residential / Financing
How Texas homeowners actually pay for solar.
Cash, loan, or PPA. Each one has trade-offs — we'll show the math before you sign anything.
Pay your way
Three real options. We'll help you pick.
We don't push one financing model. The right answer depends on your tax liability, your cash position, your timeline in the home, and what you want from the system.
We work with multiple lenders — including credit unions, solar-specific lenders, and HELOC options — and we'll quote all three in your proposal so you can compare apples to apples.
The three paths
What each one really means.
Most popular
Loan
- $0 down options available.
- Fixed rate, 10–25 year terms.
- You still claim the 30% federal tax credit.
- Monthly payment usually below your current bill.
Lowest commitment
PPA / Lease
- No upfront cost. Third party owns the system.
- You buy the power produced at a fixed rate.
- 30% tax credit goes to the financier, not you.
- Best for owners with limited tax liability.
The 30% federal tax credit
Real value. Real paperwork. We'll help.
The federal Residential Clean Energy Credit (Section 25D) lets you take 30% of the system cost off your federal taxes. It's nonrefundable — meaning it offsets liability rather than refunding cash — but unused credit rolls forward.
We provide all documentation (paid invoice, IRS Form 5695 worksheet, manufacturer compliance letters) at PTO. Talk to your CPA before counting on the credit; we don't give tax advice.
Ready