Red Dead Redemption 2 offers the possibility of using small boats and they are useful e.g. in fishing or in exploring water reservoirs (Arthur can swim, but can also drown if his endurance drops to zero). Finding a "free" boat, however, is not an obvious matter. On this page we suggest where to find a boat in RDR2.
There are two main ways to solve the problem of not owning a boat. The first method is to buy an upgrade to the gang camp, which adds a boat. You can't decide to finance such an upgrade in chapter 2, because the Horseshoe Overlook camp site doesn't have water on either side. You can buy the upgrade in chapter 3 or in chapter 4 - it is on the last page of the register (Camp Boat) and unfortunately costs as much as 450 dollars.
After buying the upgrade, go along the shore near the gang camp, and you will find a boat (an example is shown in the picture).
The second method is to find an unused boat in the game world. In this case you can visit e.g. Houseboat located on the wetlands of Bluewater Marsh north-west of Saint Denis. This location is shown in the picture above.
You can't move the houseboat, but the interactive boat is "hidden" behind it (picture above).
Valuable note - The game doesn't tell you that after entering the boat you have to press Triangle/Y to start rowing.