I'll take these many points with a much superior Florida Atlantic defense against a Memphis squad that doesn't win bowl games, nor cover games. 
Memphis has a potent offense. However, Florida Atlantic gives up the ninth-fewest points in the nation and ranks 17th in sacks. Only twice in eight games did the Owls surrender more than 24 points. 
The Tigers failed to cover in any of the four games they were favored against Division I foes. They scored only 10 points versus Navy and 21 against Tulane in two of their past three games. Memphis has lost straight-up and failed to cover each of the last five years in its bowl games, too. 
Florida Atlantic has a balanced attack. I don't think the gap is nearly this wide as the point spread indicates. It wouldn't surprise me if the Owls pulled an outright upset. Of Memphis' seven victories, five of them were by a combined eight points.