Originally posted by @Tanya F.:
Are you going to live here, or is this for a rental? Do the numbers work out?
How much does the solar system offset the utility bill? Is the house well insulated (which will do a LOT to reduce cooling bills in the summer)? How many years left on the solar loan? How does that compare to $20K? How many watts is the solar system? How does $250 per month compare to the utility bill without solar? My point is, you haven't provided nearly enough info to get any advice.
It's mostly a rental, the number do work out for Airbnb but not for long-term lease (negative $200 per month).
One bedroom in the house is not well insulated and gets more hot in the summer than the rest of the house.
Solar system is 10,000 watts, I haven't received my first electric bill yet so can't see how $250/m compares to that but it should reduce the bill to nearly zero.
My predicament is whether to pay for the solar loan in full by adding it to the purchase price or not.