Otherwise hot girl has a lot of belly fat?

Anonymous
When my mom first saw this girl I'm dating she asked if she's pregnant.

When my little sister saw her in her bikini top and shorts she asked if she really have to wear a bikini with so much belly fat.

I like this girl. She's great. But she carries obviously too much belly fat (rest of her is just average/normal).

I think it's not healthy. She's out of breath after 6 or 7 flights of stairs.

I don't want to give up dating her. Could I somehow hint or ask about that belly fat?
Otherwise hot girl has a lot of belly fat?
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