That's $48K in total, what kind of gold-plated solar panels are those? I installed 8 panels and a battery (to future-proof it, this isn't bringing in money yet) earlier this year for €8700. Yield currently on a sunny day is 20-25 kWh and covers my bill completely.
Not sure if you'll have any advice on this, but I'm helping my neighbor change his front lawn into a native plant garden, and planning to include a little water feature with a pump running off a solar panel. I've barely begun researching any of this part (been lugging dirt and cinderblocks from our local Everything is Free page), but I always try for used stuff first. If you have any recommendations I'd love to hear them.
For the pump, maybe you could look into (secondhand) aquarium pumps? They're meant to be constantly running. Flow rate is fixed though, so you'll have to decide the size if your pond first.
Never think in terms of monthly payments. Think in terms of how much money they're actually asking you for. That's how they get you to consider $50k solar panels lmao