California adopts innovative solar loan law
latimesblogs.latimes.com
latimesblogs.latimes.com
This just changes how a buyer pays for an existing solar system. It doesn't make the solar system more valuable. If a potential buyer doesn't think that your solar system adds value, they're not going to say "I wouldn't have paid you what it cost but since I'll get to pay for it with the remainder of a 20 year loan, no problem".
So, we're left with the "it's through govt". Govt programs tend to be paid for by all of us and it's quite possible for it to be expensive and provide no actual benefit. (If it's actually a market-rate loan, there's no benefit. If it's subsidized, the rest of us are paying for it.) It's impossible for the benefit to exceed the cost because of the overhead.