If you are dealing with a channel and are constrained by your draft, the human powered vessels are supposed to give way...
(h) The term "vessel constrained by her draft" means a power driven vessel which because of her draft in relation to the available depth and width of navigable water is severely restricted in her ability to deviate from the course she is following.
Note, this seems to exclude sail boats not under power.
Is there a good resource online for right of way rules?
boatsafe dot com/nauticalknowhow/boating/colregs dot html
as well as many others.