Missing American boater Lynette Hooker didn’t stand a chance after apparently going overboard in rough waters in the Bahamas, a pal has claimed — insisting even “an Olympic swimmer would have a hard time” trying to stay afloat.

The 55-year-old mom hasn’t been seen since her husband, Brian Hooker, 59, alleged she was swept away in rough seas after falling from their dinghy over the weekend.

A friend of the couple told Fox News that the conditions the night she went missing were severe — and their 8-foot vessel was ill-equipped to deal with such choppy weather.

“Their dinghy was really just too small to be out in those conditions. Their 8-foot hard-bottom dinghy with that electric motor, you shouldn’t be out in anything more than like 12, max 15 knots,” said the male friend, who didn’t want to be named.

“It’s really underpowered, undersized for the conditions they were in.”

“Even an Olympic swimmer would have a hard time getting back on — it would be impossible for two people that are 55 and 58 to reunite,” he added.

The theory came just days after Hooker’s husband was taken into custody and questioned over her disappearance.

Brian, who is being eyed as a suspect, has denied any wrongdoing.

He told authorities his wife fell into the water and was swept away by powerful currents as they were returning in the dinghy to their yacht, the Soulmate, on Saturday night.

The husband claimed his spouse had the boat key on her when she went overboard, causing the motor to cut off and forcing him to paddle back to the marina.

The couple’s friend said it was common for someone to wear the key around their neck when in the dinghy.