Financing math is not what drives the number. Lenders qualify borrowers on income and credit rather than on projected utility savings, so a system does not raise your borrowing power the way a CMHC insured renovation loan might. What it does is remove a future cost a buyer would otherwise have to plan for, which shows up as a modest premium rather than a dollar for dollar return.
Leased or financed panels with a loan or power purchase agreement attached to the property title are a different, weaker case. A buyer's lawyer working through Information Services Corporation will want the agreement discharged or assumed before closing, and many buyers walk rather than take on someone else's contract. That uncertainty depresses the price more than an owned system adds to it.
Keep the permit, the interconnection approval and the installer's invoice together, because none of that paperwork shows up in an automated estimate. Joel Dyck's hand-reviewed valuation counts documented, owned improvements like a paid off solar array against genuinely comparable sales rather than guessing at a flat percentage.