

The "20% rule" for solar panels is a practical industry guideline that recommends oversizing your solar system to produce 20% more energy than your household consumes on average
Do You Qualify
Whether you qualify for solar usually comes down to four things: your roof, your electric bill, your ownership situation, and local incentives.
Here’s the quick checklist most installers use:
1. You own the property
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Homeowners qualify most easily.
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Renters usually can’t install rooftop solar unless the landlord agrees.
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Condos and HOAs may have additional rules.
2. Your roof works for solar
A good solar roof typically has:
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Plenty of sun exposure (little shade from trees/buildings)
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South-, west-, or east-facing sections
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Enough usable space
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Roof in decent condition (not near replacement age)
Flat roofs can work too.
3. Your electric bill is high enough
Solar makes the most financial sense if you use a moderate-to-large amount of electricity.
Typical signs:
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Monthly electric bills often over ~$100
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Heavy AC use (common in Florida)
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Electric vehicles, pool pumps, or large households
4. Your utility and local rules allow interconnection
Most utilities do, but the installer checks:
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Net metering availability
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Meter compatibility
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Local permitting
In Florida, residential solar is common and there’s no state sales tax on solar equipment. There’s also a property tax exemption for residential solar improvements. Net metering policies can vary by utility.
Financial qualification
If you finance solar instead of paying cash, lenders usually check:
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Credit score
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Income/debt ratio
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Payment history
Many companies look for scores around the mid-600s or higher, but options vary.
Signs you’re a strong candidate
You’re likely a good fit if:
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You own your home
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Your roof gets lots of sun
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Your electric bill is consistently high
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You plan to stay in the home several years
Signs solar may be difficult
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Heavy roof shading
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Old roof needing replacement soon
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Very low electric usage
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Renting
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HOA or structural restrictions
If you want, I can also help you estimate:
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whether your specific roof is good for solar,
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how much you might save in southwest Florida,
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or what size system you’d likely need based on your electric bill.
