There is no such thing as "free low income solar" in the inflation reduction act or anywhere else.
Solar can be installed 2 ways.
1. You buy the system and you own it.
2. You lease the system from the installer.
If you buy the system, you get the credit. You make monthly payments to the installer unless you paid up front. You have to pass a credit check and be able to afford the payments. If you make enough electricity, the decreased public utility bill might offset your payment for the system and you might even be able to sell extra electricity back to the utility (they pay you, depending on your state).
If you lease the system, you still get the credit. You must pay the lease payment, but the installer claims that your energy savings will cover the payment. For example, if your old public utility bill was $200/month, the installer will work out a lease payment of $200 per month, so it's "free" but not really. If you make extra electricity, the installer sells it and keeps the profit for themselves. If you make less electricity and can't cover the lease payment, they will bill you for the difference.
A leased system can make it impossible to sell your home, because the buyer must agree to assume the lease and be bound by the terms, and the installer has to agree to transfer the lease. If the seller doesn't want to lease the solar, you may have to pay to remove it from the home and pay a substantial lease cancellation penalty.
