Generally, I find that in my herd, overgrooming (by the rabbit itself, but more usually by a littermate) results in cut-short hair, instead of naked. Usually the entire belly isn't affected like this. However, I have a wild theory. Look at the part of the lower neck above the belly that still has intact hair. See how it lays in locks with a slight curl, instead of laying as a single coat?
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That seems like there may be some of the curly 'Astrex' gene involved. The funny thing about curly (which is a recessive gene, coded
wa, usually associated with Rex) is that the kits with the gene often end up with bald patches while growing up. There can be a wide variety in the amount of curl, from a faint trace to a full curl. There's a thread here about the baldness in curlies at
https://rabbittalk.com/threads/astrex-genes-what-do-you-know-about-em.21202/ This is a normal happening with kits born with the curly gene, and the hair usually grows back. Sometimes the hair will grow back in curly, often it comes back as normal hair.