Presented by Brett Vredevoogd · Eco Equity Real Estate
⚙️ System Details
View calculation assumptions ▾
Model methodology (mirrors Pearl Certification's income-based DCF approach):
• 25-year system lifespan (panel power production warranty period)
• 0.5% annual panel degradation (NREL)
• 3% annual electricity rate escalation (US 10-yr avg)
• 6.83% discount rate — current 30-yr Freddie Mac mortgage rate (Pearl methodology)
• $11.50/kW/yr O&M costs deducted (NREL 2018/2020 benchmark)
• 80% performance ratio (inverter/wiring losses)
• Low/High range = ±10% electricity rate scenario
• Utility-specific rates from EIA-861 data (2024); sun hours from NREL by service region
• $4/watt benchmark from Lawrence Berkeley National Laboratory (2015)
• Payback uses ~$3.00/W installed cost; 30% ITC applied for systems < 1 yr old
💡 Estimated Value
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Select your utility & system size to see estimated value
Estimated Home Value Added (DCF)
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Range: —
LBNL $4/watt benchmark: —
Annual Electricity Savings (gross)—
O&M Costs (deducted, $11.50/kW/yr)—
25-Year Gross Savings (undiscounted)—
Est. Payback Period—
Remaining System Life—
Est. Annual Production—
State Avg. Electricity Rate—
⚠️ Leased & PPA systems: Fannie Mae and FHA do not recognize leased solar as adding value to a home. The buyer must qualify to assume the contract — remaining obligations may be viewed as a liability. Review the transfer clause and consult a solar-experienced appraiser.
ℹ️ If the system carries a solar loan secured by a UCC-1 filing, the lender may treat it as personal property and assign no value in the appraisal. Tell the lender to instruct the appraiser to perform a "subject to" appraisal assuming the UCC-1 is removed at closing — or pay off the loan before appraisal.
📈 25-Year System Value Projection
Estimated DCF value remaining in your solar system each year — how much a buyer today would rationally pay for the remaining energy savings, discounted to present value.
🏛️ Available Incentives
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Select a utility to see Michigan & federal incentives
Disclaimer: This tool provides estimates for informational purposes only. Actual savings and home value impact depend on local rates, net metering policy, system condition, buyer financing, and market conditions. For formal appraisals, seek a USPAP-trained appraiser with PV Value® certification. Incentive programs change frequently — always verify current availability with the relevant agency or utility.
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