[Q] Problem Installing ROM topic

OK, I am apparently an idiot. I have an At&T m7 that is unlocked to T-mobile. I was running liquid smooth (lollipop) and was having issues with Pay Pal Here accepting credit cards so I attempted to down grade back to Kit Kat. Well, every time I would install a rom it would stall at the portion where it formats the system (2% or 10%). I was doing a factory reset before the install. I then got the stupid idea that I would format EVERYTHING including SD. Well, I am so used to having external SD that I forgot that my Nandroids were on that drive. Now, I still cannot install a new ROM (I have a USB OTG) It still gets stuck at 2-10%. At this point I just was anything to run on this thing. Any ideas on what I can do?

Also wanted to mention I am S-off