The benefit of going solar at the same time as a roof replacement is that the Federal Tax Credit (currently 30%) applies to the roof as well as the solar system.

But, I need some coaching as far as financial strategy.I have an 800 credit score and no income (new RE agent) and my husband has a great W2 job but really poor credit due to some major credit card debt (long story).

I have excellent credit.

They agreed to owner financing along with a credit check; they want to know my terms?

- What type of credit do I need to get a mortgage loan? 

I have around 25k in cash and I have around 680 credit score (currently improving) with a part time job (20 hours/week).

@Brian M Sweeney I just formed all this a week or two ago and have all my accounts and credit cards in the first businesses name.

However it states that the 2013, 2014 and 2015 taxes have been forfeited which I assume means sold. 2016 says no taxes sold.My brother is a massive degenerate and loser, his credit is already destroyed and he's filed for bankruptcy and owes over 400K to the IRS.

Income way more important than credit. 

Congratulations on getting yourself to the point where you know you want to invest in Real Estate - and also with a good amount of cash on hand for someone only 20 years old.Depending on your credit and job history, you could qualify for other type of loan programs, too.