The benefit to the homeowner is defined cost and no up-front payment, which is a big benefit to most people. When you say you can buy the system with credit, yo

The benefit to the homeowner is defined cost and no up-front payment, which is a big benefit to most people. When you say you can buy the system with credit, you assume that the buyer can get a loan for the $15k cost of putting the system in - for many people, that’s not easy. Additionally, if you buy a solar system and anything breaks, you are on the hook for the repair cost. Also keep in mind that these are people with very, very low electric bills - a small home in a Mediterranean climate, no need for either heat or A/C. Solar is really overkill for them. For a family with a bigger house and higher electricity usage (maybe an EV in the driveway?) there would be plenty of room for both Sunrun and the homeowner to come out ahead.