Hi LB
Having already eliminated the brake caliper and the fender, the three most likely remaining causes of the wheel being "EXTREMELY Hard to spin" when fitted to the bike are:
1) The brake disc retaining bolts are too long and the ends of them are binding against the controller.
2) The freewheel is binding against the inside of the dropout, or possibly binding against the outer circumference of the inner axle washer.
3) The tyre itself is rubbing against either the inside of the chainstay or seatstay part of the frame.
Try undoing the disc mounting bolts a couple of turns and then see if the wheel turns easier.
If shorter bolts are not available, try adding washers under the head of the bolts so they can't thread in far enough to touch against the controller.
This is the result of using a Magic Pie when disc mounting bolts have been used that are too long:
If the disc bolts are not responsible for the binding problem, try slacking off the right hand axle nut and see if the binding is reduced.
If the freewheel body is touching the frame, you will need to fit an additional inner spacer washer.
In some cases, you may also have to reduce the outer diameter of the spacer washers using a file or angle grinder etc. to ensure they fit inside the freewheel with touching it:
If it's the tyre rubbing against the frame, simply slacken the axle nuts and realign the wheel alignment until the tyre clears the frame.
If the wheel had been that hard to spin
before it was fitted to the bike, it should have been very obvious when the wheel was trued and the spokes adjusted.
Alan