Resolving the Reflections
After much painting in and wiping out and lots of measuring, the reflections are about done. I got stuck doing the houses in the painting, since I was basically working from memory and my experience. Finally I found up a newspaper section on houses for sale and was able to work from some of them for shapes and details.
When I didn't know what to do with part of a house, I painted a tree or a bush in front of it. Actually that has a good effect, because it keeps the hard lines at a minimum. The trick was to have structure to the buildings but keep all the edges soft. My brush strokes are entirely vertical.
Since I don't have anything specific in front of me, I had to make the values and colors in the reflections the same as in the middle ground. After it all dries, I will probably glaze the darks lighter and the lights darker.
By adding ripples to the area where the top of the mountain reflection met the sky reflection, this area is more integrated and believable. I will also had streaks of light reflections to indicate a some breezy water to break up the solid dark reflection of the mountain.