cuz you swim to the wrong point, best is you watch guides from speedrunners like me, if you want see the fastest way. He swims to the wrong point too btw, and didn't use the motorcycle for some reason. Guess he believes the the Elite myth which goes still around, that you have stay undetected , after you did alrdy all elite requirements. Well i've show this in my video " Cayo Perico elite myth - the lie that fooled everyone. But this myth is still alive, i see. 🙈
if a guard spots a body then it takes a while longer for the mission to end, you probably kill the dude next to the bike and the jeep coming around the block spots him, if you don't kill him, or if you also kill the jeep dude before he spots the body, the mission will end as soon as "San Andreas" appear on screen
13:42 is horrible time. You can run Cayo in under 8 min with 2 players. My average time is about 7:40. Stay off the roof and you'll become a lot faster