4Schrecks, You do have 20+ inches above the water line. I have a Hurley system on mine and it takes two to comfortably load our Zodiac 310 and 15HP 2 stroke. Given the beam on our boats is only 14' there is not a lot of swim platform left once dinghy is loaded. We do "slide" the dinghy to starboard to swim in the lake etc if we don't want to fully unload it and still be able to use the swim ladder. And you can squeeze between the transom and dindghy when it is loaded to fuel the boat etc. PM me and I can email you some pics if you like.