I know for war ships if you put yoru eels in under their guns you can cook off the magazines. That makes them sink in a hurry, not to mention it is a great light show at night. I don't know if the armed cargo ships have a magazine to hit or where it might be if they do though.
For merchants and freighters I find one torpido sufficant most of the time, though ocasionaly I will have to pump a second into them. If after I feel the ship has taken enuf of my torpidos and still won't sink I will go to the tops and finish it wit the deck gun, weather and escort status permiting. One torpido under the keel and a hand full of deck gun rounds in below the water line and most will submit. One thing to make sure of is that your torpidos don't hit on top of eachother, the more holes you put in the ship the faster it will go down so aiming at diferant parts of the ship is a big pluss. Shots to the bow seem particularly effective as noted befor; when the bow starts to drop lower into the water the engens seem to push the ship down faster; a crash dive for them if you will.
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