When bent over or sitting in a slouched position Skinny little twig ass models have some rolls... bodybuilders at 5 percent still have rolls when they fold there mud section in half. That is something that will never go away for anyone. Your being a tad too critical
Not trying to piss on the attaboy parade but when skin over the lower abdomen gets stretched out through obesity sometimes it will never shrink down tight over the lower abs when someone drops weight.
That does not take away from what you have achieved to this point.
You may have to just live with it unless you want to have plastic surgery.
I do not post much in your thread but seeing that pic and where you started from is really good work.. You better keep it up man, you got this....listen to the guru's they know what they are talking about......