Unexpected spacing below text frame

In the meanwhile I realized that all objects need to be sized to exact document grid increments (i don't use baseline grid because I made its height equal to my document grid cell height, so every second line of my document grid is my baseline grid - so no need to use my baseline grid), so I corrected to image height to fit the document grid - now everything is sized to exact document grid increments but the problem still persists.

Here is the correct fitting:

 And this is the wrong fitting:

The screenshot above was made with my copy text (small text) set to vertical align: bottom, so it creates an empty line at the top:

If I set it to justify, it will be the same as top aligned: if I set it to top, it will be two empty bottom lines at the bottom, and if I set it to center, it will be the same as bottom aligned.

But, my copy text must be top aligned anyway, in order to keep the top of my columns flush, and also to keep the original spacing that I intended to be between the top of my copy text and the title element above it.

So after setting it to top, I have two empty extra lines at the bottom:

and further clicks on "Fill with placeholder text" doesn't help, it won't fill in the empty lines.

When it's bottom aligned it's only one free line left under the text and I understand why isn't that filled with text, it's because my copy text is set to baseline grid, so only every second row can be filled with text.

In this case the issue is that the number of lines for my 2 short columns should be an even number, and for that to work across my document it requires that everything in my design, all objects to be sized to even lines, including  the whole area between my page margins - is that right? So if that's the issue, then I will have to adjust my object sizes to be all of them even number of lines both vertically and horizontally, including the whole area between my margins in both directions, or all objects and the between-margins area to be odd number of lines. Please correct me if I am wrong with my math here...since I am not very good at math.

But if I set the  vertical alignment of my copy text to top alignes, then as you can see I do have two empty lines left for my copy text at the bottom, so the second of those 2 should be filled with copy text, and it won't get filled even if I repeatedly click on "Fill with placeholder text". And, I have overset text anyway on that text frame, so the text should be there.

So this means that even if I make all my objects including the area between my margins odd number of lines wide and tall,  there will still be unexpected empty space there?

And if its column rule extends all the way down, why the text isn't?

Any further ideas much appreciated.

Here is a link to a copy of that page of my document in INDD format, it's the left page of my parent (or master) spread.

https://bit.ly/3w3dEZ3

Thanks everyone in advance. 

I can see in your screenshot the text frame has a Text Wrap on it.

Select the text frame containing Lorem Ipsum and check your text wrap settings

https://helpx.adobe.com/ie/indesign/using/text-wrap.html#:~:text=Options%20dialog%20box.-,To%20display%20the%20Text%20Wrap%20panel%2C%20choose%20Window%20%3E%20Text%20Wrap,the%20wrap%20within%20the%20frame.

What happens if you apply a Vertical Justification of "Justify" to the text in the top frame and make sure that the bottom of the frame is exactly at the point where you want the type to sit?