You can always email the owner and ask. They are usually pretty responsive.
Some of my pistols I wear just slightly off center as it will normally place the barrel down one leg when I sit down (full size CZ 75B or 1911).
I wear an undershirt, which may not be an option for you. One thing that I have heard done is to sew a portion of shirt to the back of the velcro that would be against your body providing for that needed piece of clothing.
To get it to hang lower, you will need to wear it looser. Just takes a bit to figure it out. For me, having it drop below the waistband is not an issue, although it does "print" a little bit more. People don't notice anyway.