Rat tails will be smoke colored and are usually Simmental cross, although there may be other breeds that carry the rat tail gene. It ONLY shows up in diluted black cattle, and the cattle often have wiry or almost curly hair on their body, but it isn't as thick as normal. They aren't "hairless" but the tail will have very short hair with little to no switch.
There may be other reasons a calf has a short tail or no switch, but the rest of the body or tail will appear normal. Any animal that is black or red will not be "rat tail" and not necessarily ALL smokes are rat tails. Once you've seen one, you'll know em.
Some feeders claim these cattle don't have enough hair to stand the bitter cold of northern or western winters in the feedlot, but these cattle are necessarily poor performers! They are often just as good as any other calves, and in southern climates, there is NO difference in performance due to this characteristic.