Be patient. Your body burns fat in no logical or discernable manner. It burns what it needs when it needs it. Just keep up the great work and eventually your body will burn the fat in the areas you want.
I could say something, you should satr lifting some weights, the muscles need energy to exist so they increase the metabolism and take the energy before it become fat if you are doing IF, and that will help you with the skinny-fat shape, and the muscles are an incredible source of health in all kind of process in the body.
There is a reason for the term skinny fat - it’s the last to go. It’s the typical love handles etc. One thing I will say is that once you have burned fat from all other areas and the belly fat area is last to lose, you will notice the improvements fast.
I’m the same way and with similar goals. I think I’m seeing slight results after switching to a Keto diet with IF 16:8.
This is in addition to my existing routine with Yoga, HIIT, running/cardio and weight lifting.
I understand it’s going to take time and the last few pounds are the hardest. For me, it’s about making small incremental healthy changes that can be incorporated to my existing lifestyle and thinking about the long run.