Since I was copying and pasting the clone link from Github, the repository must be named correctly. I had not previously cloned this repository however I had linked it to Netlifly.
I created the repository and the team so I definitely was a collaborator but I added myself anyway again under managed access.
I have no problem logging into Github with 2FA and cloning repositories from my personal GitHub account so this was not the problem.
So the only one of the possibilities above seemed to be an authentication error. Based on the GitHub FAQ article I setup and verified my SSH keys.
The responses on StackOverflow suggested to remove my entries in my Mac Keychain related to GitHub and so I did. I even deleted my account from Tower and I deleted my Personal Access Token from Github.
After trying all the authentication suggestions in the stackoverflow article I am still stuck if you have an idea please tweet me.