Florida International vs. Toledo

BAHAMAS BOWL - Butch Davis followed up an 8-5 season in his return to coaching in 2017 with an 8-4 record this regular season and a sparkling 9-3 ATS record. The Golden Panthers are led by quarterback James Morgan, who completed 65.3 percent of his passes for 2,727 yards and 26 touchdowns with only seven interceptions. Napoleon Maxwell is the leading rusher with 670 yards and D'Vonte Price finished with 539 yards on 6.1 yards per carry. FIU averages 417.9 yards and 34.6 points per game, but it's the defense that has a big edge in this matchup as the Panthers are #58 in the country in yards allowed (386.7 per game) while allowing 24.7 points. Toledo is #94 in yards allowed (430.1 per game) while giving up an average of 30.2 points. The Rockets have lost Bowl games the last two years and both were against Appalachian State, including by a 34-0 score last year. Florida International has covered four of its last five games and five of its last seven non-conference games dating to last season. Also, the Panthers are 8-3 ATS their last 11 after a loss. Toledo is 1-5-1 ATS its last seven December games and 2-5 ATS its last seven non-conference games and 2-5 ATS its last seven versus teams with winning records. Grab the points with Florida International.