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The only $0 down option where you own your panels AND get the tax credit benefit. Fixed payments for 25 years. No escalators.
The residential ITC (Section 25D) expired, but the commercial ITC (Section 48) is still alive. Propel's hybrid structure lets a third-party owner claim the 30% credit and pass ~30% of that savings into your lower payment.
Most solar leases have a 2-3% annual escalator. Your $130/mo lease payment becomes $240/mo by year 25. By then, you're paying MORE than your utility bill — for panels you don't even own.
Solar leases add $0 to your home value. Owned solar adds ~$20 in value per $1 of annual energy savings. That's $15,000-$20,000+ in equity for a typical TX system.
Same system on your roof — very different outcomes over 25 years.
| Propel | Lease/PPA | Standard Loan | |
|---|---|---|---|
| You own the panels | |||
| Tax credit benefit | |||
| Fixed payments (no escalators) | |||
| Adds value to your home | |||
| Easy to sell your home | |||
| $0 down | |||
| Estimated monthly payment | $135 | $130→$240 | $180+ |
Section 25D expired Dec 31, 2025. Cash and loan buyers get $0 from the IRS. Here's how the math changed.
Full upfront outlay. No tax credit. Payback 14+ years at TX rates.
25-year loan at 6-8% APR. No ITC to offset. Higher payment than Propel.
$0 down. Fixed 25 years. Own by year 5. ITC built into price.
The base 30% is just the starting point. Your address and equipment may unlock additional bonuses.
30%
Every Propel project captures the 30% Section 48 commercial ITC through the third-party ownership structure. This is the foundation of your savings.
+10%
Propel uses American-made Silfab 440W panels, which qualify for the FEOC domestic content bonus. Most Propel projects qualify for this additional credit.
+10%
Parts of Texas — especially West Texas, the Permian Basin, and Gulf Coast areas — fall in IRS-designated energy community census tracts. We verify eligibility during your consultation.
Most Propel customers in Texas save 30–40% vs. buying solar outright. Exact savings depend on your location and project details.
Example: A $40,000 system at 40% effective reduction = ~$24,000 net cost, or ~$16,000 in savings.
Based on a $29,000 system before incentives
30% Section 48 ITC
Base investment tax credit for commercial solar installations
+10% Domestic Content Bonus
Included with PropelPropel uses Silfab 440W American-made panels, which automatically qualify for the domestic content bonus.
+10% Energy Community Bonus
Available if your property is located in a designated energy community.
Check if your address qualifiesSection 48/48E ITC claimed by third-party system owner. Savings passed through as lower monthly payments.
Texas utility rules vary by territory. Enter your ZIP to see how Propel works in your area.
Enter your ZIP code to see how Propel solar works in your area.
Enter your 5-digit ZIP code to see how Propel works with your utility, local rates, and available incentives. Texas utility territories vary — some areas are deregulated with REP choice, others have fixed municipal providers.
Texas's deregulated electricity market adds complexity that Propel simplifies.
In deregulated ERCOT areas (Oncor, CenterPoint), your solar export value depends on which Retail Electric Provider you choose. Buyback rates range from 3¢ to 10¢/kWh and change when your contract renews.
Some REPs offer 1:1 solar buyback — but lock you into higher base rates. You're constantly chasing the best deal, and the math shifts every 12-24 months.
With Propel, your monthly payment is fixed for 25 years regardless of what your REP does. You still benefit from net metering or buyback credits, but your core savings come from the locked-in ITC discount — not from chasing the best REP deal every year.
Rate hikes, plan changes, and REP mergers don't affect your solar payment. Predictability is the point.
You're in a regulated market with set rates — no REP shopping needed. Austin Energy's $2,500 rebate requires direct ownership and is not available with Propel (TPO). CPS Energy rebates are being phased out. Propel's ~30% ITC pass-through still delivers significantly more savings than either rebate program.
Texas Tax Code §11.27 exempts the added value of solar energy systems from property tax assessment. Statewide — no municipal opt-in required. Your home value increases, but your property taxes do not.
File Form 50-123 with your county appraisal district by April 30. Applies to both Propel and direct ownership.
The IRS designates certain census tracts as “energy communities” — areas with fossil fuel employment or retired coal facilities. Projects in these areas qualify for an additional 10% ITC bonus on top of the base 30%.
Verify on the official IRS mapHere's what Propel solar looks like in your metro. Every system is custom-designed for your roof and your usage.
Estimates based on Silfab 440W American-made panels, Propel financing with ~30% Section 48 ITC pass-through, and average metro utility rates. Payback reflects effective cost after ITC. Your actual savings depend on your roof, usage, and utility plan.
Lease payments escalate 2-3% every year. Utility rates climb even faster. Your Propel payment? Fixed. Forever.
By year 25, a lease costs $241/mo while your Propel payment stays at $135/mo.
That's $106/mo more — or $1272/yr — just for renting panels you'll never own.
Three steps to own your solar panels with $0 out of pocket.
60 seconds
Tell us your address and electric bill. We design your system in under 2 minutes.
Soft credit check
Quick soft pull — won't affect your score. See your exact rate and monthly payment.
$0 down, own as early as year 5
Panels go on your roof. You start saving immediately. Buy out at year 5, 6.5, or 8 — your choice.
If panels underperform, the difference is covered during the ESA period (years 1-5).
All maintenance and repairs included at no extra cost during the pre-buyout period.
Real-time monitoring and issue detection for the life of the system.
Roof penetration warranty against leaks.
Purchase your system at year 5, 6.5, or 8. Lower buyout = more savings long-term.
After ownership transfers, optional monthly maintenance plans available starting year 6.
Pay off early anytime — zero fees.
Selling? Transfer to the new buyer, or pay off at closing.
We'll send your custom solar design within 24 hours.
Get a free custom solar design for your TX home. No commitment, no credit impact. We'll show you exactly what you'll save.
Propel financing provided by Concert Finance. Loans originated by Medallion Bank, Member FDIC.
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Propel financing provided by Concert Finance. Loans originated by Medallion Bank, Member FDIC.
