So, I set up a brand new DB AND user. Still didn't help.
Files are 644 at this point, directories are 755. New DB and user. I even tried without importing my old DB stuff.
Main page still shows 500. Just double checked DNS and everything is good.
ONLY thing that resolved it was deleting the website entirely, re-downloading the software and then re-installing and then restoring the files and then the databases. Not sure how that is resolved but glad it is finally fixed.
DudeThatsErin's post in 500 Site Error - No files in uploads/logs - How to solve? was marked as the answer