This is the number one question asked by people looking at solar. Every roof is different. Electric usage varies a lot between homeowners. Shading can be different on every house. Unfortunately, there is no shortcut answer. Only after you submit the last 12 months electric usage and your roof is evaluated can a valid answer be provided.
Modern solar panel arrays are sleek and understated. NASA is not going to be installing anything on your roof! Modern solar panels are typically black and many are black on black. No bright blues or other very noticeable colors.
Duke and IPL customers in Indiana take part in what is referred to as "net metering." In these net metering programs, part of the year your system will overproduce your needs and your overproduction will be sent back into the grid. In other months, your system will underproduce and pull your electricity back in from the grid to meet your needs. If you have a 100% offset, over the course of twelve months your usage will average out to near zero. A special meter is placed on your house after your system is installed to track the electrical comings and goings. ie Your Net Meter
From the time you agree to a final design, it will typically take three months for a system to be up and running. Permitting, scheduling, and installation can take several months. Then an inspection takes place and after that the net meter is installed. Sometimes everything happens much quicker and sometimes it takes even longer.
Homeowners currently enjoy a 26% Federal Tax Credit if their system is installed and running before December 31, 2020. The tax credit can be applied in the April 2021 filing and carried forward up to five years if necessary. The residential tax credit drops to 22% in 2021. It is eliminated for 2022.
If you have a business, a separate set of rules apply under a different section of the Federal Tax Code. The rules are too complex to outline here.
The short answer to this is . . . maybe. Every HOA has different by-laws and rules. Currently there is proposed legislation that would decrease the ability of an HOA to prohibit solar panels. The best first step to investigate this concern is contacting your HOA Board to find out what their position is on Solar panels.