Question Animations change character's Y position even after baking root transform Y

So I'm taking my first stab at creating a character, rigging it and importing it to Unity. It's mostly going fine, but my character model is being moved up in the Y even after I bake its root transform Y. Baking it to centre mass helps a little, but I still need to put an offset in order to keep my character on the ground.

This happens with different animations from different animation packs, so I'm assuming there's an issue with my rig. I applied all my transforms from Blender in case that was the issue, but I'm still having the same problem.

Any idea what I've done wrong? Help would be greatly appreciated.

 

Anyone?

 

Mine drops. No animation included.

 

Plus I have this in the animator project and can not find where to fix it:
AlI I have is a camera, light and model and rig.
NullReferenceException: Object reference not set to an instance of an object
UnityEditor.PropertyEditor.DrawEditors (UnityEditor.Editor[] editors) (at <7587a42c8322471cbc42b27c9b8eab3c>:0)
UnityEditor.PropertyEditor.RebuildContentsContainers () (at <7587a42c8322471cbc42b27c9b8eab3c>:0)
UnityEditor.InspectorWindow.RedrawFromNative () (at <7587a42c8322471cbc42b27c9b8eab3c>:0)

 

Also there was a video the showed the Ninja falling into a crouch position in relation to this thread. The trainer explained something about an incorrect setup . But now I can not find that one. I believe it was in one of the training videos.