Hi mate, welcome to MT
I hear you bro, that last bit of stubborn fat can be quite difficult. When it comes down to it, diet and cardio need to be in the right format to lose fat, but if you have that sorted, then it can be very hard to wait for those last bits of stubborn fat to come off. I don't know what your diet is like, so it might be worth posting it in the diet section for critiquing, but if it is sorted, there are some other options. Here are a few:
- Switching up the diet. For example, low carb, introducing re-feeds, etc. Carb cycling, TDK, etc.
- Moving onto supps, the best things are going to be an ECA type stack or even clenbuterol (see 'Other sports enhancing drugs' forums). ECA can kick start that stubborn fat loss if diet and cardio are sorted, and can also help a bit towards holding onto muscle.
- Other more OTC supps, such as lean Xtreme by designer supps, sesathin by avant labs - both have fairly good reviews.
- HIIT (high intensity interval training) - introducing this to your cardio regime
These are just a few I can think of now - I'm tired so brain isn't all there! Good luck, and hope this helps.