The terms they offer are not good at all and the VP told me that they are very "risk adverse" Because they keep all their loans in house.Now again, I know I should get used to hearing No from banks, but this was so opposite from what I have heard from so many podcasts that I felt I should reach out and see if anyone else has had a similar experience?

If this is the case, it would be considered a deemed distribution of your account which could result in adverse tax consequences. 

Basically my goals right now are buy and hold, but I would not be adverse to trying other avenues like flipping. 

She would have an ethical conflict (as defined by law) in presenting your interests adverse to the seller. 

California Rules of Professional Conduct, Rule 3-300 states:"A member shall not enter into a business transaction with a client; or knowingly acquire an ownership, possessory, security, or other pecuniary interest adverse to a client, unless each of the following requirements has been satisfied:(A) The transaction or acquisition and its terms are fair and reasonable to the client and are fully disclosed and transmitted in writing to the client in a manner which should reasonably have been understood by the client; and (B) The client is advised in writing that the client may seek the advice of an independent lawyer of the client’s choice and is given a reasonable opportunity to seek that advice; and (C) The client thereafter consents in writing to the terms of the transaction or the terms of the acquisition."

You are adverse party filing a liability claim.

For those who are risk adverse, the predictable growth of the RRSP may be suitable for their risk profile.

When confronted with adversity it sticks it's head in the ground and just waits for the trouble to go away.

I am risk adverse, at least I think I am and the risks taken were calculated risks. 

Generally speaking a detention pond will not adversely affect a house's value provided the pond is maintained properly.