QuiqNest created Clear-Title Solar: owned solar, financed into your mortgage, with no lease, no separate solar loan, and no equipment-level UCC-1 fixture filing on the solar equipment. Instead of paying the projected power cost, you pay for a system you own. We call it the Power Flip™.
Leases and power-purchase agreements mean you never own the system, and it can complicate selling your home. Many quotes bury a large dealer fee in the price before you ever see it. Separate solar loans add a second payment and often a lien on the panels.
You own the system outright and it is part of your home. It is financed into one mortgage at standard FHA terms, with no separate solar loan and no equipment-level UCC-1 fixture filing on the solar equipment.
Your power bill is money that leaves every month and never comes back.
The Power Flip points that same money at your mortgage instead. You finance owned solar into the loan, your power bill drops toward zero, and those dollars build equity in your home. Same money out of pocket, a very different result ten years from now. Potential tax treatment depends on the borrower's individual circumstances. Consult a qualified tax advisor.
Clear-Title Solar is owned by the homeowner from day one. There is no lease, no separate solar loan, and no equipment-level UCC-1 fixture filing on the solar equipment, so no solar company holds a security interest in the equipment itself. Leased systems and third-party-owned panels do not transfer the same way and often have to be paid off or removed before a home can close.
Owned solar may contribute to appraised value. Actual contributory value is determined by the appraiser.