To dream of a rowboat represents hard work, effort, and perseverance confronting emotional problems, uncertainty, or negative life situations. Consistently using all your power or strength to get through a difficult situation. Slow and steadily managing a dangerous or uncertain situation on your own.
The condition of the water reflects how severe your emotional state is or how difficult the situation you are confronting is.
To dream of a rowboat sinking underwater represents giving up on your problems, difficulties that distract you, or uncertainty that overwhelms you.
Example: A man dreamed of being in a rowboat on a quiet lake when suddenly the sky darkened. In waking life his wife was pregnant and he felt he could handle it, but would occasionally hey anxiety about the coming baby's delivery. The rowboat may have reflected his initial feelings about being able to handle the pregnancy as long as he was perfectly responsible by handling problems on his own and his wife's status didn't become dangerous.
Example 2: A woman dream of seeing a rowboat. In waking life she was frustrated with how long and hard it was to divorce her husband.