Solar Panels, for CIVIL discussion

I have a 40KV ground mount system that I own. Bought outright. 20 year expected life span. If you were to finance the system, about 40 grand, it would just about pay for itself in the 20 years. No free lunch...
Here is my math based on my electricity cost last year. A $40,000 system would take me personally almost 36 years. Cost to payoff ratio is not in my best interest

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