Pony can handle crop tops in most reasonable scenarios - and will reproduce crop top overhangs with related tags, like oversized_clothes or loose_clothes. If you have tight-fitting clothes or clothes that do not make sense with a crop top, Pony easily loses the overhang, or fails to generate a crop top at all.

using underboob will usually bring back the crop top, but it almost never fixes the overhang.

This is a set of loras to help force overhangs on clothing. The first lora uses low rank, and influences style the least; use this one unless the image is being stubborn. The second lora uses higher rank and will influence style more, but succeed more often. The effect is not as strong as I'd like, but it definitely helps.

If you just want to restore the overhang of a crop top, you can use as little as 0.25 strength. For garments that typically do not have an overhang, you can use strength of up to 1 . underboob is a surefire way to influence generation on stubborn images.