Thanks for the help Dbowers22.

I rendered this with same camera but with a different, much brighter light set up and same thing happens. I also zoomed in and still it's the bottom of the render where it stops reflecting - meaning it's not just the pants, it's whatever is at the bottom of the image.

It is reflecting the full wall to the right of the guy though - which is weird. It's reflecting everything else okay but not the guy...hrms