From the roof of my condo complex in a sunny part of San Francisco, I can see solar panels on at least a few houses on each surrounding block.

 

Yet solar for our condo has eluded us. When it comes to solar, condos -- with multiple owners and HOA regulations -- are a tough nut to crack. I’m determined to get us solar power someday, but the jury is out on when that day will come.

 

While I’m interested in solar for environmental reasons, most people go solar simply to save money -- which is how I’ll have to sell it at my condo. After all, most of us can’t afford solar power for altruistic reasons alone. It has to make financial sense.

 

Yet while more people are becoming aware of the financial benefits of solar, most still can’t participate in those benefits. That’s because 75% of us don’t own our roof or have a roof suitable for solar. My condo is just one example of the many barriers to going solar for the 75%.

 

That’s where Mosaic comes in. It’s part of a community power movement that’s providing more opportunities for the 75% to go solar. Community power aims to decentralize clean electricity generation and make it accessible to all. As solar and other renewables become more available and affordable, the hope is that ordinary consumers of that power will benefit, rather than big companies outside their communities.

 

But many community power options rely on policy changes that are slow to come. A growing number of people are tired of waiting and are taking matters into their own hands to make solar projects happen. Crowdfunding has emerged as a simple and powerful way to allow the 75% to take action by investing directly in solar. With crowdfunding, even people who can’t get solar on their own roof can participate by pooling their dollars to support solar.

 

Till now, most crowdfunding models have been about making donations to fund solar projects. That’s great if you’re looking for a worthy charity. And it’s true that solar benefits everyone, even if it’s not on your own roof. But what if you want to reap the benefits of solar in a more direct way? Mosaic provides that opportunity with a new model that lets people invest in solar projects and get a solid return.

 

Is solar is worth investing in? Take a cue from Warren Buffett, whose recent purchase of two solar plants sent stocks soaring. Of course, most of us can’t afford a whole solar plant. The good news is that now, you don’t need to be a millionaire to invest in solar. One of Mosaic’s first projects is providing investors a hefty 6.4% return, and some of them ponied up as little as $25.

 

That’s what’s so exciting about Mosaic. With a low barrier to entry, Mosaic is bringing solar and its benefits within the reach of regular people like you and me. For me, this means I don’t have to wait to get solar on my condo. I can invest now in Mosaic and be part of bringing solar to communities, and even get a return on my investment. Finally, I’ll have a real stake in solar. Finally, I’ll get some direct benefits, without needing to put panels on my roof. Finally, I’ll be able to do well while doing good.

 

Now, that’s what I call solar for the 75%.

 

This post was originally published at Mosaic.