Hmmm, I just looked up the standover height of that bike and its 27.5" so I would guess your cycling inseam is close to that, and you are looking for a bike with a standover of 26.5" to clear the top tube.

That is going to be tough on a stock bike. The 48 RS is definitely too big for you. You may really want to consider custom. Margo of Luna cycles on this board has a lot of experience building frames to fit women your size, and its not as expensive as you would think.