Look for a bike with the longest head tube as well as short tt. I'm 5'1" and my arms are short too and stock frames have ht's that are too short. The problem can be solved with spacers and stems with rise but the problem with needing a longer HT is getting the correct standover height.

With custom you can end the search for the perfect fitting bike. Handling is better and you chose your components.

My suggestion is to spend your money on a custom frame, put the components from you old bike on it then as you can afford it improve your components.

The best fitting bike I found was a Serotta Fierte.

Look for a fitter or builder that understands small riders. Your tt length can be perfect but if your short arm issue is missed you can still end up with problems. If you do buy a stock frame do not let anyone cut the steerer tube until you have your fit dialed in.