have a 15 FX20 with a 14 250 SHO, 90 hours . It just started smoking at startup and I have water in my oil. Changed thermostats and I still have water. I’m assuming cracked head from the research I’ve done. Problem is my mechanic can’t locate the crack and in order for Yamaha to work with me they need a cause. It’s no longer under warranty but everything I’ve read says Yamaha will help me out. Anyone had this happen and have info on locating crack? He said he can usually find them no problem but this one is being difficult. Thanks in advance, super bummed out I can’t fish anymore especially with the year we’re all having!