I didn't care about your IRA, but I do care about your honesty.
YOU chose to put the 20K into YOUR rental application, because of your own mis-interpretation of the application. "I should have interpreted the question with a bit more clarity to mean liquid assets. Had I known that I would not have mentioned it." See your 3rd email. You opened up your IRA for examination by your own action.
Now I don't see evidence supporting all the information in your application. Either you lied in your application, or you have to give me the evidence. Show me the $20K YOU put in your application, end of story.
Otherwise, the application will be rejected for the reason of dishonesty.