RedactedNarrative: Three men departed boat ramp for a day of fishing.  Owner had recently purchased the vessel.  The decided to move to a different location known for strong currents and the sea was 1'-2' chop and wind was 15 knots.  He put the vessel in neutral and began to fish. 
  
   A short time later they noticed a large amount of water pooling in the back deck of the vessel.  They put on their life jackets and called for help on the radio.  4-5 minutes later the vessel capsized sending them into the water.  
  
  Tow boat US responded immediately and were able to retrieve all three men from the water with in 2-3 minutes.  No injuries.  Upon the vessel being righted by a diver and inspection upon retrieval it was noted that the access panel on the aft of the vessel was missing which is what was causing the excessive water to enter.  
  
  It is not confirmed whether the panel was missing at the time of the accident or just loose and fell off when the boat capsized.  The officer determined that the panel, inexperience and lack of knowledge of the newly purchased boat caused the boat to capsize.