Can’t link directly to image

I have large 360 photos that are larger than the media interface will allow me to upload so I upload them manually using FTP. If I try to use them as the image source, it won’t load. The only way it will load is if I use the media picker. I can take the URL from the field and paste it into a browser and it loads fine so I know the URL is valid. I’ve tried putting the images in a folder in the http root as well as in the wp-content/uploads/2024/03/ folder. Neither work. Is there any way to just link directly to an image instead of using the media picker?