Quote for Solar in Florida, is it good?

Hi! New to this sub and looking to get advice on a quote I received.

My Avg kWh monthly is 900 – Avg bill $100-110

I got my first quote on https://www.energysage.com/

Number of panels 16
Watts per panel 395 – Model Q CELLS Q.PEAK DUO BLK ML-G10+ 395
Number of inverters 16 – Enphase Energy IQ8 Plus IQ8PLUS-72-2-US
System size 6.32 kW
Year 1 Production Estimate 10,295 kWh

Cash offer $15,484 – Federal ITC $4,026 = $11,458
Loan 20yr at 0.49% $21,656 – Federal ITC $5,631 (have 17 months to put the tax credit to loan) = $16,025 / $70/mo

Is the equipment a good option?
It looks like the system is a little bit above what I consume, does that get bought by FPL ? Any concern with this?
How much will I pay FPL if I consume “~0” ?
With no downpayment, and a low APR it looks like a no brainer to take the Loan and secure a lower “monthly electrical bill” … what is the catch? I’m I missing something ?

I hope to get more quotes to compare but wanted to hear some feedback from experienced people on this.

Thanks everyone!!!