For those facing a similar issue. After literally 8 hours of trying to figure this thing out, I finally got it to work. What I forgot to mention was that my SSD and HDD are pretty old, bought around 2014. My ram was bought around 2017. I bring this up because I thought my memory/storage were the problem. What turned out to be the issue was my Win10 was under Legacy Bios and the riser cable I was using did not support PCIE 4.0.
What I did:
I converted the legacy bios mode on my Win10 through command prompt. There are plenty of tutorials out there on how to do this, but first make sure your bios mode is legacy if you're using a uefi bios. Although be careful with this method. I don't know if I missed a step, but after I converted, I left to eat dinner and when I came back to boot up my pc, my Win10 was not accessible - met with 'BOOTMGR MISSING' error. I had to do a clean install of windows.
Lastly, I set my PCIEx16 Gen 4 slot down to Gen 3. I forgot to mention this but I'm using a Phanteks PH-VGPUKT_02 Universal GPU Bracket. I didn't think it would be a cable riser issue because I tested both horizontally and vertically mounted but still had the issue. It's working fine now though.