T-Mobile uses IPv6 which is a whole other set of IPs, though when I switched to mobile data (I have Tmo also) it worked just now.
If I do go back to the "credentials needed" tomorrow I'm going to try one of the IPs I have as working along with the accept any certificate just to see if it works. My phone isn't rooted so I can't edit the hosts file (that's really something that should be in developer options).
I can also add a DNS host entry to my router but that will only work at home on wifi.
I'm curious what workaround 9Folders did and if it was potentially something like this.