An old friend who's a property assessor popped in for an unexpected visit. He lives downstate but was doing some work in my neck of the woods.
My lovely wife asked him if it made a difference if a house was off-grid in the property assessment. He said only a little bit of difference.
Then he went on to say that the big mortgage brokers will not touch an off-grid house. only financing option was small local banks. I told him that was fine by me as that's who I go though now. He admits to dealing with only local banks for his own personal finance needs.
I related how I'm helping friends with their new off-grid house, but they don't have a mortgage. Most off-grid people don't, he said. They tend to build them as they go.
Thought I'd pass along this big of insight from an insider.