Question 1

What are my options for financing solar panels?

Accepted Answer

The main options are: (1) Cash purchase — best ROI, you get the full ITC. (2) Solar loan — low-rate loans from installers, Sungage, GreenSky, or your credit union allow ownership with no upfront cost. You still get the ITC. (3) HELOC — if you have home equity. (4) Solar lease/PPA — no ownership, no ITC, lower savings but zero upfront. (5) PACE financing — property-assessed loans available in some states.

Question 2

What does kilowatt (kW) mean for a solar system?

Accepted Answer

Kilowatts (kW) measure the peak power output of a solar system under ideal conditions (full sun, optimal temperature). A 10 kW system with 400W panels requires 25 panels. In practice, systems produce less than their peak rating due to sun angle, temperature, and efficiency losses — which is why we use a 0.80 derate factor in our calculations.

Question 3

What happens to my solar system during a power outage?

Accepted Answer

Standard grid-tied solar systems automatically shut down during grid outages (a safety requirement to protect utility workers). To keep power flowing during an outage, you need battery backup or a generator. Hybrid systems with battery storage can maintain critical loads for hours or days during outages.

Question 4

Can my HOA prevent me from installing solar panels?

Accepted Answer

In most states, no. Over 25 states have solar access laws that limit or prohibit HOA solar restrictions. California, Florida, Texas, Colorado, and New York all have strong protections. Your HOA can still regulate aesthetics (panel placement, color of conduit), but cannot block installation outright. Check your state's laws at dsireusa.org.

Question 5

Do solar panels work in cold climates and winter?

Accepted Answer

Yes — solar panels actually perform slightly better in cold temperatures (heat reduces semiconductor efficiency). The challenge in cold climates is fewer daylight hours and potential snow accumulation. A 10-degree tilt is usually sufficient for snow to slide off naturally. Northern states like Massachusetts and New York still have thriving solar markets despite cold winters.

12 kW Solar System

12 kW Solar System — FAQ

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