Whether an owned system moves the needle depends on system size, panel age and how well SaskPower's net metering program has been documented, not on a flat rule of thumb; a larger, newer system with clean production records supports a stronger case than a small or ageing one. What an appraiser actually credits is the paperwork: installation cost, in-service date and production history, the same categories a lender checks alongside standard closing items like legal fees of $800 to $1,500.
A leased system is a different problem entirely, because the buyer is inheriting a contract, not an asset. Lenders can be reluctant to finance a house with an active lease obligation attached, and a buyer who does not want to assume that contract will ask for it to be bought out or removed before closing.
So the value question really reduces to a paperwork question: is the system paid off, and can that be proven. Get your hand-reviewed valuation from Joel Dyck.