More info from SolarCity (the company I have called about my home)
http://www.solarcity.com/residential/how-much-do-solar-panels-cost$0 down solar lease
It's a simple idea that changed the rules of the game so that everyone could play. Instead of paying thousands to buy a solar power system, homeowners can lease a system for $0 down and pay as they go.
In other words, we can put solar panels on your home for free. You simply pay for the power they produce every month at a lower rate than you pay now. The benefits of solar leasing are huge.
-No upfront cost–You’ll need a good roof, but you won't need a lot of money to start.
-Lower monthly energy bills–A lower energy rate and no upfront cost means you start saving right away.
-Locked-in low rates–Utility costs tend to rise every year, but we let you lock in low, predictable solar energy rates for years.
-20-year protection plan–We take care of all system repairs and insurance at no added cost.
Purchasing your system
Buying a solar power system is a great option for many homeowners. You'll need money to purchase the system and a good accountant who understands solar tax credits. It’s a solid investment with good returns and other great benefits.
-30% or more credit on your tax return–Purchasing a system can lead to big federal and state solar tax rebates.
-No monthly solar payments–Who wouldn’t want to eliminate a bill every month?
-6-8 year payback on investment–System purchases typically see a return on investment in less than 10 years.
-30-year protection plan–You own the solar panel system, but we’ll still take care of all repairs and insurance at no added cost.
I have not how ever taken the plunge yet.