How to Tap into Renewable Financing for Energy Upgrades Without PACE

So you’ve heard about it, with the passing of PACE (Property Assessed Clean Energy) , many homeowners, municipalities and home performance contractors had great expectations of easy and accessible financing for energy efficiency and renewable energy installations.  However, something happened…  Call it a glitch but PACE, as of today, is still not available.  There is a solution though.  Keep reading… 

An innovative tool for financing, PACE provided a solution to declining home values in much of the nation by offering financing that the homeowner repaid as a tax assessment rather than a mortgage lien.  PACE Programs were active or soon to be implemented in California and 22 other states.  

However, the Federal Housing Finance Agency (FHFA) that regulates Freddie Mac and Fannie Mae, declared that the PACE programs presented “significant safety and soundness concerns” to the housing finance industry on July 6, 2010.  This declaration closed the door on PACE funding.  Even though legislation and lawsuits are still pending against the FHFA, no funding is expected to be available before the end of the year from any PACE program.  Talk about taking the wind out of one’s sails. 

Although PACE funding is now unavailable homeowners still have many options. There are many (more…)

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In Perspective: Gulf Oil Spill vs. Home Energy Retrofits

Did we even need to drill the Deepwater Horizon oil well to begin with?  Actually, no. There are over 100 million homes in the U.S. Most of them use energy inefficiently because they’re not well insulated, sealed and set up.  The energy contained in the biggest oil spill in U.S. history is equal to the energy that just 75,000 homes waste in a single year.

Seventy-five thousand homes represent less than 0.1 percent of all single-family homes in the U.S. or the number of homes in a single mid-sized U.S. city, like Providence, R.I., or Chattanooga, Tenn. Doing energy retrofits to make those homes efficient would save the equivalent of the entire Gulf Oil Spill every year on a permanent basis.

Comparing the Costs

No one really knows how much it’ll end up costing to clean up the disaster created by the Gulf Oil Spill. And when a final number is calculated, years from now, there’s no way that it’ll take into account the true extent of the environmental damage that the oil spill has created. But even in the preliminary estimates made before the oil has finished flowing, the cost is expected to exceed $40 billion.

How does that compare to doing 75,000 home energy retrofits? (more…)

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What can PACE Do for You? Affordable Financing for Green Projects

First off, a few burning questions… Have high upfront costs derailed your renewable energy or energy efficiency projects? Would receiving positive cash flow from day one make your clean energy project more attractive? Are you worried that it may be difficult to recoup your investment in clean energy if you sell your property?

To resolve these issues and accelerate the implementation of energy upgrades to commercial and residential property, cities and counties across the nation are offering PACE, a new financing model for clean energy projects.

To learn more about how PACE works and how it can benefit businesses and homeowners, I recently spoke with Dennis Tsu, who manages Business Development for Commercial PACE with Renewable Funding. Based in Oakland, Renewable Funding is the leader in the turnkey administration of PACE programs.

What is PACE?

William Dinkel: Could you please provide a brief summary of PACE programs for our readers?

Dennis Tsu: First off, PACE is an acronym for Property Assessed Clean Energy. The basic concept is to allow residential and commercial property owners to borrow money from their local governments to use for making energy efficiency or alternative energy improvements to their properties, and then to pay that money back through a (more…)

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DIY Sustainable Landscaping on a Shoe-string Budget?

A small bungalow front yard is reborn as a shady woodland oasis of natives centered by a naturalistic fountain accented with metal sculpture.  As you’ll read on, you’ll notice from the photo tour that this new garden shows that sustainable landscaping can be accomplished through DIY talent and on a shoe-string budget when working closely with a professional landscape designer.

The home owners of this Craftsman style home in College Park area of San Jose already prided themselves living a green and sustainable life style.  But there was still some unfinished business – their water thirsty lawn.  So they decided to say goodbye to their front lawn and concrete hardscape and figure out a way to design a new, water wise yard on a budget.  They were receptive to many sustainable suggestions including: turf rebate programs, lawn removal, water-wise irrigation, flagstone installation, planting natives and storm water management.

Fact is, if you have the time, patience and willing to learn, you can do a lot on your own.  Here is what I mean… Size of the lawn was 900 square feet.  For about $5 a square foot, I designed the plans and coached my clients through their installation.  They did the install themselves but I helped them locate materials and assisted them in receiving an $800 water rebate by removing their lawn.  Total cost?  (more…)

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Mary, Mary, Quite Contrary, How does Your Water Wise Garden Grow?

Credit: Texture from ~diAnNa~, Inspired by this pre-made background by ~vallendesterstock

So Mary, how does it grow?  With wisely planted trees and shrubs, and many sunny days without rain in a row.  It’s called water-wise gardening my friends. 

Did you know an average Bay Area home uses almost 80% of its total potable water for simply watering the lawn and plants?  What would you say if you found out you can have a glorious looking landscape by spilling a drop instead of a bucket to water it?  Just imagine the water savings and your water bill at the end of the month.  In fact, read on and I’ll tell you where you can get a $1000 rebate for going water-wise! 

Don’t be afraid, “sustainable” landscaping doesn’t mean rocks and once a year blooming cactus. By understanding our climate zone, soil type, sun and shade conditions, and the water requirements of your site, you can have lush and beautiful garden if you practice some fundamental principles of water conservation. 

Why Landscape to Conserve Water? 

Drought is a part of the natural weather cycle of the West. Even though we have been able to import water from other areas, our population is rapidly outgrowing existing water supplies. In the years ahead, water conservation and water-wise landscaping will need to become a part of every westerner’s lifestyle. 

Use water conserving plants: The key is to choose plants that are (more…)

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Fake Grass, Synthetic Turf or Stepford Lawns?

Synthetic turf can look just as real grass from a few feet away but does it hold water with its new eco claims?

Installing synthetic turf has become all the rage recently. It was even featured on some Bay Area local channels. Commonly known in the past as astro turf, it has been reinvented, repacked and now called ‘eco turf.’ It is being touted as the latest in green landscaping. There is even a striking list of ecological “solutions” that this product addresses. Those include no mowing, no watering or expensive irrigation systems, no weed control, and no other maintenance headaches like fertilizing and hauling away grass clippings.

The latest synthetic turf is even manufactured from recycled plastic and is recycable at the end of its life. Your kids can play on it in the rain and won’t get muddy. It is wheel chair accessible. So it seems like we have solved a horde of environmental issues with one product, so what’s not to love?

Stepford Lawns

Do you recall the part in the movie, The Stepford Wives where one of the Stepford wives gets stabbed and it messes with her wiring and she starts repeating “ I thought we were friends, I thought we were friends? That’s what I imagine synthetic turf is saying when I stab it with my accusations of it being a pseudo green product. Like my friend Owen Dell would say, it’s kind of like organic heroin, organic or not it is still fundamentally a bad idea.

Aromatherapy it’s not

I’ll begin with the deceptively simple argument that my primary distrust of synthetic turf is based on the fact that it is not alive. It does not breathe and therefore it offers no oxygen as a byproduct. On a warm day the entire area around a synthetic playing field reeks of melting off-gassing plastic, not an enjoyable smell. It certainly is not aromatherapy. Again because the stuff is not living and breathing the cooling effect is absent and thus the heat island affect is increased. The ‘heat island’ refers to the phenomena in which urban air and surfaces sustain higher temperatures than nearby rural areas.

The images below comparing air, water, bermudagrass, sand, asphalt, and synthetic turf surface temperatures illustrate how (more…)

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Composting: Simply a Sequestering Sink or Much More?

dirtComposting can be either an enjoyable or a dreadful experience, can it not?  Personally, being a landscaper I love to play with dirt so to me it’s sort of like playing in sand box – fun!  

Composting is good for the environment and it’s a smart way to put the nutrients back in the ground.  It helps to reduce greenhouse gases by sequestering carbon back into the soil; storing the carbon for plants to use. Sequestering is actually considered by the US Environmental Protection Agency as a carbon ‘sink’, because it takes the carbon (C) out of (CO2), and leaves just the oxygen (O2) to float into the atmosphere. EPA has more info on this if you’d like to read more. 

In our first month of composting at home, my wife and I reduced our trash waste from three 30 gallon bags all the way to one bag. Wow! We now get excited to see how much we can do to reduce our waste. Our worm bin in the garage and the outdoor stackable bin are also put to use and are doing great. 

If you have not tried composting yet then I would like to invite you to consider it. Relax, you really do not need to run out a buy a pound of worms to get started.  There are a few simple ways to ease into it.  

For example, you can begin by (more…)

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Harvesting Water from the Sky and Re-using Greywater

It’s been official for months now – California again is facing water crisis. Unusually dry and hot weather had eroded our priceless Sierra snowpack, the supply of much of our water.  Our local reservoirs have been low for years now. In addition, water demand in beautiful state is growing each year and our sources of water are drying up.

water usageClimate change models demonstrate that California will become a much drier place in our lifetimes.  Not only precipitation will likely decrease, but our precious Sierra snowpack is expected to shrink and leave of only with 10% of its current capacity.

Even more interesting, according to the California Energy Commission, 20% of our state’s electricity is used for the treatment and pumping of water.  Groundwater pumping has greatly shrunk our underground aquifers.  Parts of the San Joaquin Valley has now seen soil level drop 50’ from the removal of groundwater. Every single river in California has been dammed, wiping out fish populations, including endangered Chinook salmon. Two out of five most endangered rivers in the U.S. are in California. 

Let’s face it; this is not our grandkid’s head ache. Very soon water will become a treasured commodity.  Sadly, you’d never know it by the way we are dumping it down the drain. A traditional home has potable water piped in from a local water supplier. Amazingly, one half of this water is used for irrigation, where potable water is absolutely unnecessary. Almost all the remainder is used for non-potable water needs in the house, where it is then flushed down the drain to our local sewage treatment plant.

Now that sewage plant spends an enormous amount of time, money and energy treating this so called “greywater” like raw sewage.  This makes no sense, does it?

Here are two ways to re-use water already available to us (more…)

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