There are other gotchas like PACE loans being senior to your mortgage. So if you get a PACE loan, the loan is transferred to the person buying the home and is senior to your mortgage.
I'm also suspicious around the maintenance and longevity claims. For instance, from my experience, the energy efficient light bulbs do not live up to to their claims. I changed about half of my lightbulbs within three years and they supposedly have a 20+ year lifespan. It's fine that they don't have a crazy lifespan, but it just shows the industry is okay with outright false claims.
Overall I think the industry is so juiced by incentives and manipulated by regulations that it attracts shady players.