I am sure you know about paddle holsters but they might not be the ideal option for you. I wear basketball shorts as underwear so I have plenty of coverage to keep the paddle from rubbing up against bare skin. So this this my preferred carry method. My girlfriend on the other hand maintains that the paddle aggravates her leg because she has less fabric to protect her skin. I am sure you will probably fall into the latter group. But you could, maybe, glue a soft piece of material to the outside of the paddle (the part that rubs against you) to potentially avoid this problem.
This probably still won't be the best method of carry for you as if you cannot wear a belt you probably do not have enough support to hold your pants up with a firearm firmly attached to them.