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Probably 25 years, not 100% sure if it is fitted on a workshop if that has the same return rate or the same FIT rate, others know about this better than me. As for 'roof for rent' schemes, would you buy a car but not own the tyres, ever?
Too good to be true ?- depends on your frame of reference. Personally I would say it's both immoral and probably short-lived. George Monbiot is eloquent as ever on the subject: http://www.monbiot.com/2010/03/01/a-great-green-rip-off/