e-mailed to me by a good friend, about this topic:
CG regs prohibit combining gray and black water in the same tank, or any common plumbing, even venting. Yes, I know it's done--that even dealers plumb 'em together on boats going into Lake George and Lake Winnepesaukee, but it still violates CG regs. Reason: in the event of a backup in the system, e-coli can contaminate sink and shower drains and migrate into sink water.
Even if it didn't violate CG regs, it's still a very bad idea,'cuz the stuff in gray water takes forever to break down, especially any food particles from the galley sink...and grease, oils and soap scum clog up senders and put a "slick" on the surface of the contents that make gray water tanks a FAR worse nightmare to maintain and keep odor free than a toilet holding tank.
Besides, it's unlikely that any below-waterline holes in a houseboat are sink or shower drains...those are only below waterline on sailboats. So they have to be either toilet or tank discharge thru-hulls or intake thru hulls...maybe for a heat/ac system or a washdown pump?
In fact, if he's a drought prone region where there are likely to be watering restrictions that include boatwashing, he'd be well advised to install a raw water washdown. My dockmates and I went in on one and big battery for just that reason...we took turns putting it in our cockpits- had a long hose dangling over the side for the water pickup--and took our boats out and anchored in a deep water cove to wash 'em!
