Thanks,
That is what I will do. Was hoping there was another way.
I'll just find some cheap but decent 90*-120* FOV IP POE cams from china and use the internal LED's at first till I can eventually afford buying the separate IR flood lights.
Alternatively I could void warranty and take out the internal LEDs to DIY my own flood lights with solar and battery power. That would be a neat idea for a DYI, I have all the tools I need. If I get to it I'll make an instruction video.
P.S.
Also for those of you businessmen out there, providing this nieche need of affordable day/night IR cams with external IR sensors might be pretty lucrative. I'm on my 3rd full house setup and wish I could find exactly that. This new system is for a friend.
Anyways, thanks again guys.