|Here's my latest guess. The entire crew would have had to be incapacitated to not be paying attention. |
There was a following sea and following winds. It was a new engine. Maybe they didn't vent it properly. Maybe the following winds pushed the exhaust into the cockpit and the cabin knocking the crew out. They checked in with an "OK" at 7:49. Then they slightly altered their course. So they would have been traveling for 5 hours on a track heading directly for the island. It was also a track that headed directly at Ensenada. Did the owner forget about those islands? That's still a mystery.
The owner would have been below getting some sleep so he could bring the boat into the Ensenada harbor in the morning - probably sleeping in the forepeak - and he probably went down with the boat. If they find the hull, they might find him. The guy who drowned was the 2nd most experienced, so he was probably at the helm. So when the boat hit, he would have been thrown clear off the back and away from the rocks.
As you can see, the stern is open.