> For the complete documentation index, see [llms.txt](https://sunnyside-resource-kit.godaylight.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://sunnyside-resource-kit.godaylight.com/documentation/knowledge-base/origination-overview.md).

# Origination Overview

### Daylight Origination Principles

* **Honesty & transparency:** Explain system size, production, contract length, monthly payments, escalator and continuing utility bills.
* **No false incentives:** Do not promise incentives or benefits not in the contract.
* **Evidence of understanding:** Use verification calls or written/recorded recaps to document that key terms were conveyed.
* **Inclusive decision‑making**: Involve all decision‑makers, especially for elderly

### Selling the Daylight Energy Subscription

The Energy Subscription is a third‑party ownership solution combining solar and battery backup. It offers homeowners predictable, low‑rate energy without the responsibilities of ownership. Key product features and selling points derived from the training deck include:

### Features & Benefits

* **Third‑Party Ownership (TPO):** Daylight owns, operates and maintains the system. Homeowners pay only for the energy produced and may enroll on up to three properties.
* **25‑Year Agreement:** Includes proactive monitoring, maintenance and protection at no extra cost.
* **Rate Escalator Options:** Sales reps choose an escalator of 0.99 %, 1.99 % or 2.99 %; the per‑kWh rate increases annually accordingly. Production is evaluated every three years; bills adjust if production varies significantly (expected <4.5 % of projects).
* **Credit Qualification:** Requires only a FICO score check (minimum 680) with a seven‑year lookback; no debt‑to‑income evaluation.
* **Design‑Driven Pricing:** Pricing derives from the installer’s system size and production modeling; Daylight validates assumptions upon installation.
* **Performance True‑Up:** Daylight reconciles bills with actual production at regular intervals.
* **Customer Benefits:** No money down; immediate savings; predictable monthly payment; ability to buy the system after year five; competitive rates; and no need to claim tax incentives or handle maintenance.

### Identifying Ideal Customers

The Energy Subscription suits homeowners who:

* Want immediate cost savings without a loan down payment.
* Prefer predictable monthly energy expenses and budget planning.
* Are unsure about owning but may purchase later.
* Are risk‑averse and don’t want to manage maintenance or repairs.
* Cannot utilize tax incentives (e.g., retirees).

### Additional Best Practices

* Be transparent: Clearly explain that customers will still receive a utility bill; the Energy Subscription covers only solar production.
* Avoid misrepresentations: Never promise incentives or tax credits that are not part of the contract.
* Document everything: Verification calls or written recaps protect against complaints and ensure compliance.
* Encourage portal use: Customers completing onboarding via the portal speed up NTP approvals.
* Attend trainings: Regularly attend webinars to stay current on policies and best practices.
* Monitor performance: Track quality, conversion, cycle times, volume, collection rate and NPS to achieve higher program tiers.
* Manage pipeline proactively: Use the Payouts dashboard to identify at‑risk projects and submit extension requests early.

### Conclusion

By following these directions and leveraging Daylight’s training, support and data resources, partners can confidently sell the Energy Subscription, guide homeowners through onboarding, meet compliance standards and optimize funding. Continuous adherence to these guidelines and active engagement in training will help your organization achieve higher performance tiers and capture the growing opportunity in solar + battery backup.

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