Personally, I think you're going to be hard pressed to find something that meets your criteria short of going the custom built route. I'm 5' 4", with a 27" inseam and a long torso. All of the bikes I have owned in the last 30 years, including a custom built frame that was built based on my measurements, give me negligible top tube straddle clearance, if any at all.
Sometimes, you have to draw a compromise between straddle clearance and the overall fit of the bike.