Patent ID: 7904382

Claim:
A method for financing renewable energy systems, comprising: displaying by a computing system, home loan options and lease options for a renewable energy system; receiving, by the computing system, a first selection of a home loan for a homeowner from the loan options; receiving, by the computing system, a second selection of a lease for the homeowner from the lease options: arranging the home loan for a homeowner in which the interest payable by the homeowners is at least partly tax deductable; offering the lease to the homeowner for the renewable energy system; increasing the profits of selling said renewable energy system by obtaining more favorable lease terms and decisions from a lessor with particular internal rates of return (IRR) decision criteria as a result of defeasing the lease debt; determining, by the computing system, a deposit of cash proceeds from said home loan into a trust held by an escrow agent for the single purpose of paying lease payments for said lease as each payment becomes due; receiving a plurality of lease payments for said lease when each payment becomes due thereby seasoning said home loan such that the risk of any holder-in-due course reduced thereby; selling said home loan to said holder-in-due-course; selling any renewable energy credits (REC's) that obtain from installing or operating said renewable energy system; and increasing business operating profits with any tax incentives that obtain from installing or operating said renewable energy system; wherein, the proceeds from said home loan are effectively used to defease the debt represented by said lease.