Bro, I honestly cant see any gyn - and trust me, I'd be brutally honest with you if I did, as I have been with others on the board... You say that you cannot get rid of the last bit of fat on your chest and love handles, but this is normal man. That is the LAST fat to go when leaning out...
If you dont have any gland (enlarged) which I dont think you do by the pictures, and you're really concerned about that last bit of fat - you can try a topical fat burner. I used Yohimburn on mine and the results were amazing - only problem was that I had gland as well and it wont do anything for that.
Focus on weight training more than anything to put on some more muscle - increased muscle mass makes it way easier to get leaner. Plus, intense weight training causes more testosterone production which is good for a while bunch of stuff