This HaBO is from Kate who is looking for this contemporary romance:
This was a book I read in the 90s or early aughts. It may have been part of an anthology.
He was a professional athlete. She was a bookish and attractive kindergarten teacher. Her name might have been Violet or something flowery. She wants to have a baby.
She goes on a lake sailing/boating date with some guy while wearing an American flag bikini and falls overboard. She gets picked up by the athlete in his boat. He decides to help her with the baby project, au naturel, at his condo. They develop a relationship, but one of them gets an attorney involved to deal with parenting stuff, and it creates a trust issue. They work it out.