Plenty of checkpoints render people going commando, with low-rise pants stopping just shy of the dangly bits. With this LoRA, you should be able to put an extra layer on your subjects and let them show off those fashionable (overpriced) undies.
The LoRA has been trained on roughly 200 images and plays well with a number of semi-realistic and realistic checkpoints. While I have not tested extensively, I have found some great success.
Caveats:
Waistband branding, logos, are hilariously garbled. (Improved in v2)
Some waistbands can show up extra thin, or extra thick. I haven't sorted out how to address that yet, so YMMV.
While it was trained mostly with male references, it works well on women too! Sometimes the checkpoint will add straps instead of a waistband, but that can be a good thing.
The LoRA has the accidental benefit of adding unique asymmetry to non-modern concepts, such as fantasy or sci-fi. It typically ends up rendering angled/lopsided wraps, belts, or similar waist adornments. Definitely a happy accident.
This is the third revision to my first LoRA -- suggestions are welcome!
Updates for v3: My testing has had greatly improved interactions with a number of checkpoints with this new version, as I have refined the training images and tags significantly. With v3, you should start with a weight of 0.6, and make sure you include some kind of outerwear in your prompt, e.g. pants, sweatpants, trackies, jeans, etc., as it will likely only generate underwear.