OK tried a few more things like a new ISO image and a different monitor . . . solved it!!
It hates my primary monitor.
I had an old 1280 x 1024 monitor in storage with DVI-D and it booted up at full resolution. Added my primary (1920 x 1080) back in on Display Port and its max resolution is 640 x 480. I will see if using DVI-D on my primary causes the same result.
I knew it had to be something simple.