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%!