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Solar panels are common across Tampa Bay's housing market, Florida's sunshine and rising electricity costs have made rooftop solar one of the most popular home upgrades of the past decade. For veterans buying with a VA loan, solar panels on a home they're considering can be a straightforward benefit or a significant transaction complication, depending entirely on whether the system is owned or leased. Understanding the difference before you make an offer is not a technicality, it can determine whether your VA loan can close on that property at all.