[Jimbo120]

First of all, talk to your neighbor. I installed solar in 2019 with 30% tax credit and this year I believe the credit is 28% but check that.

Also not sure how you calculated: I used the best panasonic panels, Enphase inverters, and 25 year warrenty on parts, labor and roof penetration from a qualified Panasonic installer. My payback is just short of 10 years based on paying cash and current electric pricing. My roof was replaced in 2016 as part of the Shingle Defect Program that year in The Villages. Paying on credit really increases your cost.