Thanks supdood,

Still working on a loan but pretty sure I will do it. My uncle has solar heat and photovoltaics. He needs an anti-scald valve he gets so much hot water. He also advised me to point the panels south west. This will reduce the burden on the grid when people come home and turn on air conditioning.

Edit: I did check out a co-op but they wanted 50% more money than a local installer. And the panels where 280 watts. I'm looking at 300 watt panels. With more money eI'd get 360 watt panels. I figure it should cost about $2500 USD per 1000 kWh per year. More than that the installer takes to the bank.
Edit: My uncle is in Madison, Wisconsin (where I grew up) and he gets paid $.25 per kWh so this might be a common incentive. He also advised me that panels on poles work really well. They are 17 feet poles with 14 feet above ground. Reminds me of Ann Coulter. They invented the 11 foot pole for her. He started with hot water, which is less expensive than photovoltaics. I'm also considering solar hot water/ heat.