Why the installer carries more weight here
In a state with a statutory net metering requirement, an installer working from a template still gets the export arrangement broadly right, because the statute makes it predictable.
South Dakota has no such requirement, so a template built elsewhere may assume terms your utility does not offer.
That is not necessarily dishonesty. It is what happens when a national model meets a state that does not fit the model.
It does mean that local knowledge of your specific utility is worth more here than in most places, and it is a fair thing to test for.
How to test for local knowledge
Ask what your utility customer generation policy says about export crediting, and see whether the answer is specific or general. A specific answer naming the document is the one you want.
Ask how many projects they have completed on your specific utility, and how recently. Interconnection practice is set locally and recent experience is what moves a project along.
Ask what snow allowance their production model applies and how it was derived, since South Dakota winters are real and a template built for a milder climate will overstate output.
Ask what wind speed the racking is engineered for and how that compares to the local code requirement.
And the long relationship afterwards
A solar system is a twenty-five year asset and an inverter will likely need replacing within that period. Who does that work, and from where, matters.
Ask who performs warranty and service work, where they are based and what the expected response time is for a fault.
Ask what happens to your workmanship warranty if the company ceases trading, and how much of the coverage sits with manufacturers rather than the installer.
In a small market with few local firms, those questions are a larger share of the risk than the price per watt, and they are worth asking before signing rather than after.
What the arithmetic rests on here
The 30 percent federal Residential Clean Energy Credit under Section 25D expired for property placed in service after December 31, 2025, so a cash or loan purchase in Yankton receives no federal tax credit, and South Dakota has no state solar tax credit.
Section 48E survives at 30 percent for third-party owners under leases and power purchase agreements, so ask what a provider claims and what reaches you in the rate.
What exists with certainty is the retail value of self-consumed generation. Export value comes from your utility policy and should be evidenced rather than assumed.
Ask for the projection in writing, and weigh the installer as carefully as the numbers, because in a small market without a statutory framework the company is a larger share of the risk.