A commercial bank would be able to support a loan like this and they don’t care where the down payment comes from.  

Now I've "recovered" that liquidity and now that my proportions of principal and interest (PI) every month is much more in my favor than the bank's favor, it's just like having saved up all this time to go out there and buy another property.

Would it be best to go to a small bank or credit union?

Does anyone have infor on banks or institutions that offer real estate IRAs?

But say you use it all as the down payment, then you suddenly have a 10k repair that you need (roof broke, hot water heater failed, and HVAC broke all at the same time).

43 total units for 1.8 million-  Northeast Ohio, and hour from Pittsburgh and an hour and half from Cleveland6 six-plexes and 1 seven-plex C to C+ properties in a B locationBuildings will need roofs over the next 5 years, but no other major structural issuesIt appears to us that rents are at fair market value for the area, so there would be little room to adjust them upBuilt 1988-199027 units are one bedroom, 16 units are two bedroomWalking distance to several nice restaurants, gym, fast food, bank, multiple other commercial businesses.

@Jackson Pontsler  It's the agent that should be the most worried about failing to disclose the lack of access.  

A section 8 inspection for example this is always check and will fail it the windows don't stay up.

There is a lot of hard work involved in building up assets and cash wealth plus also great credit that can be used to position you to be able to make investments with OPM (other people's money) i,e. banks, and other lenders like private and hard money lenders. 

The bank has come way down from asking.