I want to practice making water overlays, so if anyone wants me to make one let me know! 
Some info:
-
Overlays should be accurately sized for the background so you don’t have to adjust them. Let me know if they aren’t.
-
Please show where exactly you want the water cut off, either by drawing a line or cropping the background.
-
Let me know what opacity you want, i.e. how much you want the character’s body to show. I usually work with deeper water so only the top half of the character shows, but I can do shallow water too.
Examples of how my water overlays fade out (this one is deeper water):
