What is the solar program? I bought solar for no money down, and received 30% rebate from federal (22% in 2023) which I agreed to use towards the $15k install/purchase cost (based on how many panels we installed which was based on efficency vs roof size. Don't want to buy a panel that is 95% shade). That left 10k with a relatively high solar score. It was $125 a month which was still lower than the prior electric bill and had a few months where we didn't generate enough and had a small pse&g bill. Then on top of this as an owner we received Srecs (solar credits) which are based on MWh generated. They go for about $200+ per and if you put them towards your payments it can get you to net zero pretty quickly. All in all it was 7 years to be net zero and the remaining 23yrs of our warranty to reap the benefits. It sounds to me like this company wants all the good stuff and is essentially leasing to own, leaving you with a few years of benefits.

(mobile sorry for bad grammar)