I have been dieting and doing cardio for a very long time now and I have gotten around 10% in body fat according to dex. I have never had a flat lower stomach beause I believe there is loose skin laying there from droping nearly 80 pounds. It annnoys me when people that are 15% have a completely flat stomach and dont have to work for it.
I attached a couple of pictures. Hopefully you guys will know if it is fat or skin.
Thanks in advance