If they come up with the penalty, then it is their own reputation and word at stake and it is easier to get it into the contract. 

They have reputations to protect.  

I recommend joining a local REI group with a good reputation.

And hopefully a reputable one....Please advise.

Now, I hear about this and there goes our reputation with Cash Buyers.

PaulThere are many reputable sites on the internet with a glossary of RE terms, I suggest you not go to guru sites or REI type sites but look to schools, universities, law firms, government agencies and professional associations.

I stumbled upon BiggerPockets while browsing the web for budgeting ideas.

@Michael S.Do you know any reputable private money lenders in the Bangor or Portland area?

This is a very reputable property manager in my area (several people recommended them). 

But if the military is using them, then they must be pretty reputable.