UCF has definitely had Memphis’ number through the years, winning 14 of the 16 all-time matchups. But the last time the Golden Knights paid a visit to the Liberty Bowl, which was 2020, they lost an insane 50-49 game. For Memphis, that ended a 13-game losing streak to UCF!

UCF won last year at “The Bounce House” 24-7 as a two-point dog. They come into this year’s meeting off a thrilling 25-21 win over Cincinnati, ending their own long losing streak to the Bearcats. But that win came with a cost. Starter John Rhys Plumleee was knocked out of that game with a concussion. Backup Mikey Keene may have engineered a game-winning drive, but he’s a pretty clear downgrade from Plumlee.

Even though they have lost three in a row, this is a great spot to take the points with Memphis, who is coming off a bye. Two of those three losses were by a total of three points, one of them a four overtime game. The other was a blown lead late against Houston that involved an onside kick. There probably is also no shame in losing by 10 at Tulane, who is #19 in the initial CFP rankings.

Tigers QB Seth Henigan has a 15-5 TD-INT ratio and has played well this season.

No matter who ends up playing QB for UCF here, give me the points. Memphis is a perfect 6-0 ATS as a dog going back to 2017. 10*