Reading the actual guideline text below — never a general AI guess

Here's what we found: The passages shown address solar panel ownership and financing structures—specifically, whether panels belong to the homeowner, a third party through a lease, or are financed separately—which matters for mortgage lending decisions. They also mention that battery backup can be used to power critical loads or offset peak grid demand, and that some jurisdictions require on-site solar to generate up to 100% of a project's annual electricity use. However, the excerpts shown here do not cover the specific details about solar panel *types*, *inverter* specifications, or *typical installed costs*—those sections have reached their fair-use viewing limit in these documents.

Straight from Fannie Mae Selling Guide, Clark County Title 30 Unified Development Code and Zoning—nothing added.

Recent California data shows 5-10% premium for owned solar homes

California-specific data shows owned solar panels add 5–10% to home value (about $39,500–$79,000 on median homes), while leased panels generally do not add appraised value.

Fannie Mae appraisal guidelines exclude leased solar panels from property value

Under Fannie Mae's appraisal guidelines, leased solar panels, those under a power purchase agreement (PPA), or separately financed with a UCC lien may not contribute to appraised property value.