Well after doing testing adn narrowing it down they came to the conclusion that the head gasket needed to be replaced. While doing this they visually inspected the head on the starboard side of the engine. Well after it was all put back together and ran on the hose it is still getting water in the oil once the boat has warmed up. They now believe the head has a crack in it that was not visible so they are sending it to get magna fluxed. SO i guess even here in florida I am going to have to start using anitfreeze when I winterize. Who would have thought. They are atleast saying it would be considered freeze damage if the head or block has a crack in it so my insurance will take care of it.