Holy crap, I finally cracked the first mission. Got 4 penalties for unauthorized force. One of them was because I got startled and shot the gun out of someone's hand before they could react (I think they would have surrendered anyway). The second was when I got startled and shot someone who was surrendering point blank in the chest.

I'm not sure what the other 2 were from, but I assume they were from reacting too quickly and shooting someone before they could choose between "surrender" or "fight." Compared to SWAT 4, it's quite a bit harder to distinguish the animations (or I'm not used to them yet). It would be cool if they add the "fake surrender" animations from SWAT.