Florida Atlantic vs. Memphis

Florida Atlantic had won four in a row before losing its last two games, but coach Willie Taggart overall has had a successful season in his first year there finishing the regular season with a 5-3 record. The Owls have a stellar linebacker in Leighton McCarthy, who has 40 tackles, 12.5 for loss and nine sacks. Quarterback Nick Tronti has thrown for 759 yards and five touchdowns with two picks for the Owls, who have covered five of their last six as underdogs. Also, FAU is 6-0 ATS its last six games at neutral-site games and the Owls have gotten the money their last four bowl games, including a 52-28 blowout victory against SMU in last year's Boca Raton Bowl. Memphis is 0-5 ATS its last five bowl games and the Tigers lost 53-39 to Penn State in the 2019 Cotton Bowl. Also, Memphis is 3-13 ATS its last 16 December games and 3-10 ATS its last 13 games overall. The UNDER is 15-7 in the Tigers' last 22 games versus Conference USA. Florida Atlantic allows only 16.5 points per game, which is #9 in the country. Take Florida Atlantic as a Max Play, and also take the UNDER in the Montgomery Bowl.