Could community solar subscriptions replace rooftop panels for the 60% of U.S. households that physically can't host them? My apartment roof in Chicago is shaded nine months a year, so a $40/month subscription to a 5 MW local array is the only version of solar I can actually buy into. What nags at me: the savings depend on utility credit rates that regulators can change, and my contract locks me in for 20 years. If you've subscribed to a community solar farm instead of installing panels, did the bill credits actually show up the way the sales rep promised?