Great, just what Mexico needs is a zero-down solar clone as a carpetbagger. The issue with zero down solar is this: solar panels (and equipment and installation

Great, just what Mexico needs is a zero-down solar clone as a carpetbagger. The issue with zero down solar is this: solar panels (and equipment and installation) now cost about 5-10 years worth of electricity (it all depends on electric rates and any state subsidies, which are obviously different in Mexico), but they last 20 years or more. The zero-down subscription models capture that 10-15 years of revenue instead of passing it on to the electric user. Much more advantageous to the homeowner would be to offer solar micro loans for the express purpose of buying and installing the panels. Structure the loan so it's a bit less than he electric bill (and more predictable) and it should be paid off in 5-10 years, and then the owner gets he free electricity. Or the SunRun power purchase model where the company sells all solar output to the homeowner for the cost of the system (either upfront or on a monthly payment plan), but the company still owns the panels (and could conceivably recover them in case of non-payment). As far as I can tell, the zero-down model only works because of slick marketing and the general public being unfamiliar with the true low cost and possible financing of a PV system. And I'm sure the Mexican population is thrilled about having a foreign-backed company data mining their financial info and creating an unregulated credit agency.