SolarGuyInMaine

SolarGuyInMaine t1_jchwiz7 wrote

I don't offer Mosaic because there was a 29% dealer fee. The only reason you would use Mosaic is if you have a poor credit score. That is literally the only time Mosaic makes sense. Companies have adopted Mosaic, and their horrible customer service, because they make it super easy to sign up at a steep cost.

To be clear, when I say a 29% dealer fee, I mean they charge the installer 29% of the cost of the array. So, an installer selling a $40K array will have to pay a $11,600 fee to Mosaic!

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SolarGuyInMaine t1_jchvw05 wrote

Break-even is usually 6-8 years when paying in cash, and 8-10 years when financing. It depends on your array and credit score.

Most installers offer mono crystalline panels that degrade at a rate of 0.50% per year. A few installers offer heterojunction panels that degrade 0.25%.

Most are warrantied for 25yrs or 30yrs, but will last 35-40yrs.

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Choose an installer that is willing to answer all of your questions, and is clearly looking out for you. This is likely the second largest purchase of your life, so you deserve it! Companies using Mosaic (or other big banks) have to charge more because dealer fees can be as high as 29%!

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SolarGuyInMaine t1_j2a8qgq wrote

No, but that conjures quite the image! 😂

I'm more concerned with lease agreements, or any long-term agreements. There simply isn't the same accountability as an array that you own. Fields can be bought and sold as a product by faceless entities, which muddies the waters in regard to who is responsible for what.

Conversely, when you have solar at your home, no one can change the terms of your system. You simply own that system.

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