Hi Gastara!

The part of the player that is in (over) the water is the head.
But the feet are on solid ground.

Play with 2dcollision4.c. Go around the water part in a very tight
circle (rectangle ). You will notice that part of the head is always
in (over) the water zone at the bottom.
The perspective of the player being close
to the water and the head over the water is very normal. Take a picture
of yourself near a pond or a lake.

My suggestion is to keep this great code and to play with your
.tga or png
Then only modify the distance in lines like : coords2_y = my_player.pos_y + 20; // play with 20