$30k for a system that will save you $1500 per year (at current electric prices in New York).
I don't see how that makes sense at all.
Will the system even last the 20 years it will take to pay itself off?
Most solar panels are warrantied for 30 years. Some will last much longer. How are you calculating annual savings? What is your cost per KwH in NY?
Solar is a long-term investment. Not a get rich quick scheme...