Charlotte at Florida International

Florida International returned 19 starters this season, but unfortunately they were the same players that went 0-5 (1-4 ATS) in 2020, and the Golden Panthers are 1-4 this year with the only win coming against FCS Long Island in the season opener. The Panthers got routed 58-21 at Florida Atlantic on Saturday and they have allowed an average of 41.5 points their last four games. Charlotte is 3-1-1 ATS and comes off a 24-14 loss at Illinois. Chris Reynolds went 17 of 23 for 191 yards and two touchdowns and an interception for the 49ers, who upset Duke earlier in the season. Charlotte is 11-5-1 ATS its past 17 October games and it has covered four of five following a loss. Florida International is 0-5 ATS its past five October games and 1-7 ATS after a loss and the Panthers are 1-4 ATS their last five home games. Take Charlotte.