IMHO, I would not use that as a charter boat, my 22' Seafarer has a 200 HPDI which is lighter and is fine with 4 guys, but with more onboard and full gear, plus a larger boat and a 4stroke at that it might be a little sluggish. With full gear and guys onboard with that power you would cruise in low 20's and top out mid 30's, but it would require a lot of rpm to get it out of the hole and stay on plane, that is your biggest issue. When the seas get nasty it may not have the power to operate how you would want it to. If you really like the boat and the numbers work out well, sea trial the boat, a good seller will let you, but you would be paying launch fees and for fuel, load it with 5 guys and run it to see if you think it meets your needs or not. See how it handles, if it feels like it does not have the power to get over the hump of rough waves, or to get on plane easily. Every boaters needs are different, not all need a ton of power so it may suit you well, but I personally would opt for more HP, preferably a 250.