Simulation Picks
SPREAD
CHARLO @ FIU
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MONEYLINE
CHARLO @ FIU
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OVER / UNDER
CHARLO @ FIU
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PUBLIC
MONEY
PUBLIC
MONEY
Over0%
PUBLIC
Under0%
Over
MONEY
Under
Understanding Public and Money
Think of 'Public' as the percentage of people betting on each side and 'Money' as how much money is being bet. When there's a big difference between the 'Public' and 'Money' data, it usually means that the more serious bettors (referred to as 'Sharp Money') are favoring a particular side.
Expert Picks
Charlotte -170
WIN
Unit1.0
+2881
64-32-3 in Last 99 NCAAF Picks
+410
4-0 in Last 4 NCAAF ML Picks
Micah's Analysis:
Florida International coach Butch Davis changed both coordinators after going 0-5 last season and things haven’t improved much. New QB Max Bortenschlager is hitting only 54 percent of his passes and the defense is allowing 502 ypg. Its lone win came against Long Island. Charlotte has its act together with a balanced offense and started the season by winning against Duke. Take Charlotte to win.
Pick Made: Oct 08, 4:40 pm UTC on whnj
Team Injuries
Charlotte 49ers
Thursday, Jan 15, 2026
WR
Justin Olson
Undisclosed
RB
Henry Rutledge
Lower Body
RB
Jariel Cobb
Undisclosed
TE
Grant Laskey
Undisclosed
Monday, Jan 12, 2026
QB
Conner Harrell
Leg
FIU Panthers
Thursday, Jan 15, 2026
WR
Juju Lewis
Knee
Friday, Jan 09, 2026
K
Robert Czeremcha
Undisclosed