Basically, I look for converging currents. The seam where slower current meets the faster water is a good place to start. In your drawing, you have a swirling current behind the large boulder. In that scenario, the fish will face into the current which may actually make it facing downstream. Lastly, in heavy current areas, the water in the surface might be ripping but the water by the streambed is barely moving. There was a video on here a little while back that illustrated this. It's likely a fly scraping on the bottom may have a better chance of getting eaten.