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Chester W. Chapin: 1901
"Chester W. Chapin, New York Yacht Club steamer, America's Cup races, 1901." 8x10 inch dry plate glass negative, Detroit Publishing Company. View full size.
They could have afforded it
The New York Yacht Club functions at a higher atmosphere than most of us live, so it was certainly plausible to believe they could have afforded to own a steamer for the benefit of the membership.
[This New York Times article on the event reports it was a boat of the Fall River Line. - tterrace]
Seen it before?
Not a Club steamer
The Chapin may have been serving as a spectator boat for the America's Cup races that year and consequently may have been rented out to the NYYC for the day, but it would be inaccurate for the photographer to have labeled it a Yacht Club steamer. This is no member's yacht, but rather a commercial coastal passenger steamer.
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