Maybe that is what happened to the R Boat that sailed to the bottom of Lake Erie -- I always wondered how that could happen. An R is a long, narrow-beamed, fast, racing monohull (old design) with a very deep keel. This happened at night during a race from Cleveland, Ohio to Put-in-Bay, Ohio. The crew had no warning at all that it was going to happen -- the boat just suddenly sailed to the bottom. One crew member was asleep below, and he escaped the cabin after it was underwater and swam up the mast. None of the sailors' reports about the incident at the time used the word "sank" -- all said, "sailed to the bottom." Weird.
I should add that this boat has a lot of sail area. I don't remember the circumstances regarding the wind at the time, whether a squall came through or what, because this was maybe 40 years ago.