Your AHJ should have a minimum wind rating listed for the mounts based on the local conditions. In my case, gilpin county Colorado, there is a wind zone map divided into 5 sections. Where my house is 130mph rating is required for the roof or ground mounts. I've clocked 105mph with my Davis weather station. The snow load rating is for a certain number of pounds per square foot that equates to 9ft of snow. The AHJ approval requires an engineering assessment of the roof structure and mounts to see that it will satisfy all the uplift and dead weight loads and not collapse. Unless I want to take out at least 50 trees I can't do ground mount. Once the one line drawing is approved by the AHJ the local power coop gets a turn which is basically must meet nec 2020.
The point of all this is to say there is a lot more to consider when roof mounting than doing ground mount, but even those have some steep learning curves.
Just laying loose panels on the roof... weight...ballasted or mounted means added weight... uplift from wind... snow load if it does in your area...
Do it gorilla style and one goes though the neighbor window and kills a kid... freak accident but possible... without the dead child there is a lawsuit and property damage to pay for.. do gorilla and get caught and the fine is probably large and the poco can pull the meter until inspected.
Flat on a wet roof could easily short out and cause a fire... NEC requirement is for all conduit/cable be minimum 7/8 in above the surface, water tight, and rated for 105c...arc fault and rapid shutdown required if a dwelling or structure that fire fighters may get up on. There is a thread from a month ago or so about a guy mounting on top of an Adobe dwelling that goes into all the details.
I have 400 volt dc solar coming from a ground array, wires buried in the ground, and then the solar wire will be coming up the side of a house. I know the code book mentions that on the outside or the inside of the house the high voltage DC needs to be enclosed in metal.... but I couldn't find the code reference to use EMT or rigid conduit as it goes up the side on the house.
I have PVC in the ground and when it comes up on the side of the house I will go into a junction box and then switch to metal as it goes up the side of the house.
For the metal pipe on the outside of...
There is a lot to mounting panels besides just throwing them up there. So, think, read, learn and be safe.
P.s. the only way I would do gorilla is if I did it 100% right and lived on more than my measly 1 acre. And if I was prepared to go off grid.
And last, this is not to say it can't be done or discourage, more to give you an idea why someone like me is spending 2 years planing every detail of a system before I buy anything more than my battery bank and inverter that will run the well and my server and office