Ownership of a solar PV system is actually very simple. A customer signs a contract with a solar integrator, a system is designed specific for the location desired, the install occurs within a month or two (at least with ARE it does!) and the customer pays in full for the cost of the system. (Payment can be through a loan program or cash) Then the customer, through a federal tax credit program, recovers 30% of the cost back in one year, and in select areas an addition refund(s) will be paid by the utility as a purchase incentive.