Charlotte showed no backbone last week, losing 51-17 after a bye week. The 49ers outgained the Midshipmen but turned the ball over five times (four INTs and one fumble). That performance will carry over into Saturday's road game versus Memphis, a team that has forced 14 turnovers this season, sixth-most in the country.

The Tigers rank 9th nationally in Defensive Havoc, a stat that measures plays that can change the momentum for both teams, including tackles for loss, pass breakups and forced fumbles on defense. The home team has 17 sacks (11th-most) and 52 tackles for loss (9th-most). Charlotte ranks 125th in Havoc Allowed, which encompasses an offense's ability to prevent tackles for loss, throw interceptions or fumble the ball, per Action Network.

Memphis also takes great care of the football (four turnovers) on offense, ranking 19th nationally in Havoc Allowed. It ranks 30th in points scored, 38th in total yards and 30th in passing yards per game, while Charlotte's defense ranks 120th in points allowed and 111th in total yards allowed per game.

Bet on the home team to cruise to a win and cover on Saturday!