Reflects 98.1% of the suns rays.
However if an entire downtown or subdivision does it? Possibly.
https://creativelyunited.org/wp-content/uploads/2019/02/temp...
Those nice trees take a few decades to grow, need serious pruning, will cause foundation problems next door, and increase building setbacks anyway. We also waste two entire lanes for street parking, have basically no businesses on either side anyway, and the street is still too wide. It might be urban, but it's still a car centric hellscape, just with some shade.
An ideal mirror reflects 100% of the light, and so does an ideal white surface. The white surface just spreads out the light.
If you light a mirror evenly from all angles, it will be indistinguishable from a white surface.
The solar panels will still absorb and radiate heat back so you won't get as much cooling as you would have just with passive radiative cooling paint, but it'd be better than just solar on a regular roof in both ways (solar output and thermally).
So just put the PV panels on top, and a reflective layer below.