sorry to dive in late.
a mate has a few people in his area that have some of those "no money down" type contracts. really good to start with but now they are paying more for their power and the servicing has gone to non-existent. as i understand it you have to buy and sell your power to them. good when solar powers everything you do, but you get stung when you use grid power. i'm guessing they make their money by on selling your power generation and by charging you extra for grid power.
bottled gas is the most expensive energy out there.
the problem with lots of mini splits is the cost. it adds up really quick to the point its cheaper to go ducted heat pump. however ducted systems have their drawbacks especially as its all mounted outside (ie on the wrong side of the insulation).