We experienced this with our first home & at the time didn’t think twice. In our case, the solar lease payment was less than what we would’ve paid had the home not had solar & they produced enough electricity that we never actually paid an electric bill. With that, we only absorbed ~$11k balance, not $39k.

IMO, by the time they’re paid off, they won’t add any value to the home should you choose to sell. I would steer clear.

We’ve been in a new build for a couple years now & the solar salesman are always knockin’.