Solar subscription · All of Florida
Today any homeowner in Florida can save with solar without buying the system. There are two subscription programs, and together they cover the whole state. We review your bill and tell you which one fits, or whether traditional solar fits you better.
The 4 ways to get solar
The system on the roof can be the same. What changes is who owns it, how long you commit and what happens if you sell the house.
| The 4 ways to get solar | Cash | Financing | Lease (20-25 years) | Subscription |
|---|---|---|---|---|
| Who owns the system? | You | You | Third party | The provider |
| Upfront payment | The full system | Usually $0 | Usually $0 | $0 |
| Term | None | 10-25 years | 20-25 years | 3 or 5 years, or 10 with an exit from year 3 |
| Does the payment go up? | No payment | No, fixed payment | Often (annual escalator) | Fixed (Central) or a fixed 1.9% yearly adjustment (statewide) |
| Credit check | No | Yes | Yes | Depends on the program; soft in Central Florida |
| Maintenance | You pay | You pay | Included | Included |
| When you sell | Sells with the house | Pay off the balance or buyer assumes | Buyer assumes or you buy the system | Transfers to the buyer, or cancels with no penalty |
| When it wins | You have the capital and a roof with many years left | Good credit and a high bill | Decent credit, you will stay in the home for years and want a predictable cost with no maintenance | You want no debt and no 25-year commitment |
General reference: every contract differs. Loan and lease terms per the CFPB (Solar Financing Market Issue Spotlight, 2024). Tax credit: confirm with your tax preparer.
The two programs
Which one applies depends on where you live, your utility and your roof. You don’t pick blind: we look at it with your bill.
Within 50 miles of Orlando
Each year they compare what you paid with what you would have paid without solar. If you didn’t reach 30%, they pay you the difference.
Across the state
If you replace your roof, they remove and reinstall the system, but the term is extended 36 months. They also require HOA approval where it applies, internet at home and access to your online utility account. We confirm it all with your address before you sign.
Savings depend on your bill, your usage and your roof. In the Central Florida program the minimum savings are guaranteed by contract and based on your last 12 months of usage; new usage (an EV, a pool) is not included. In the statewide program savings are an estimate. Eligibility is approved by each program’s provider.
Comparison
| Comparison | Central Florida | Statewide Florida |
|---|---|---|
| Area | Up to 50 miles from Orlando | The whole state |
| Term | 3 or 5 years | 10 years, with an exit without a penalty from year 3 (90 days’ notice) |
| Monthly payment | Fixed for the whole term | Fixed 1.9% yearly adjustment: predictable and in writing from day one, unlike utility rates |
| Savings | At least 30% on the total bill, guaranteed in writing | Estimated at around 30%, not guaranteed |
| Battery | Not included | 40 kWh included at no extra cost, for hurricanes and outages |
| Roof | Shingle or metal, with 4 or more years of life | Shingle, tile, metal and flat |
| Utility | FPL, Duke or TECO | Almost any, including OUC, JEA and co-ops |
| Home | Single-family | Owner-occupied single-family; no townhouses, condos or mobile homes |
| Credit | Soft check, does not affect your score | Yes, the provider pulls your credit report |
| Selling the house | Transfers to the buyer, or cancels at no cost if they decline | Transfers to the buyer, or cancels at no cost if they don’t qualify or don’t sign |
| At the end | You decide whether to renew; if not, they remove the system at their cost | Renews in 12-month periods unless you give notice first |
Summary of each program’s terms. We show you the exact conditions in writing before you sign.
How you know which one fits
With a recent bill we see your usage, your utility and what you really pay.
Address, roof type, years of life left and type of home. That defines which program applies.
The program that fits, or whether buying or financing leaves you more. With your home’s numbers, and you decide.
When a subscription fits
When buying fits better
If someone promises you this, be careful. We tell you how it really works.
A $0 bill
Your utility still charges its monthly minimum. With solar you pay less, not zero.
Cancel whenever you want
In the statewide program the free exit starts in year 3. In the Central Florida program, at the end of the 3 or 5 years.
No credit check
Both programs check credit. The Central Florida program uses a soft check that does not affect your score.
50% savings
The reference number is 30%. Guaranteed in writing in the Central Florida program; estimated in the statewide program.
Free · No pressure · 15 minutes
We look at the real numbers of your home and tell you what makes sense, and what doesn’t. You leave the conversation knowing what to do, whether you move forward or not.
