There’s not much room for grace when it comes to the Charlotte 49ers this season.
Struggles were expected in Tim Albin’s first year, but not to this extent — their level of play has been rough, even by rebuilding standards.
Now, hitting the road to face one of the top Group of Five teams in South Florida will only magnify those shortcomings. The Bulls have every reason to pour it on, and with the spread hovering near four touchdowns, backers shouldn’t be too hesitant.
My Charlotte vs. South Florida predictions and college football picks expect a rout on Friday, October 3.
Charlotte vs South Florida prediction
Charlotte vs South Florida best bet: South Florida -27.5 (-120)
The problem shouldn’t be Charlotte’s offense. The problem should be how easily South Florida will find chunk plays against the 49ers.
And the Bulls will. The 49ers defense ranks No. 136 in expected points added (EPA) per rush against and No. 131 in EPA per dropback against, creating the second-worst EPA defense in the country, per cfb-graphs.com.
That is how the Bulls would win this game by three scores — but winning it by four or five or six? That is because of Charlotte’s offense.
Not just that it is terrible, which it is, ranked last in the country in opponent-adjusted EPA. However, the real problem is how often and how quickly the 49ers will cough up the ball back to South Florida’s explosive offense.
Charlotte could try to shorten this game by leaning on its rushing attack, except that it is the most impotent rushing attack in the country. The 49ers could try to chip away and set up manageable third-downs, but they rank No. 134 in the country in early-down EPA, meaning third-and-longs are too common an occurrence.
That will mean more chances and probably short fields for South Florida. Those will lead to quick scores.
That is how this blowout becomes an absolute rout, and four touchdowns should not be enough to scare off Bulls backers.
Charlotte vs South Florida same-game parlay
Charlotte genuinely might not score. Its offense is so woeful that it will regularly put its defense in a bad position.
And then South Florida's explosive offense will capitalize. A few chunk gains through the air will set Byrum Brown well on his way closer to 300 passing yards than 200.
Charlotte vs South Florida 3-leg SGP
- South Florida -27.5
- Charlotte team total Under 13.5 points
- Byrum Brown Over 250.5 passing yards
Our deep-ball SGP: Big-Play Bulls
You cannot justify any faith in the 49ers offense, so building a hefty same-game parlay for your Friday night will hinge on South Florida's big-play receivers like Keshaun Singleton and Chas Nimrod.
Charlotte vs South Florida 5-leg SGP
- South Florida -27.5
- Byrum Brown Over 250.5 passing yards
- Byrum Brown Over 2.5 passing touchdowns
- Keshaun Singleton anytime touchdown
- Chas Nimrod anytime touchdown
- Charlotte team total Under 13.5 points
Charlotte vs South Florida game predictions
Charlotte vs South Florida moneyline prediction
Don’t even think about betting Charlotte.
Arguably the worst team in the country — Kent State would like a word in that argument, to be clear — heading on the road in a short week against an explosive offense?
Don’t even think about betting Charlotte.
Charlotte vs South Florida spread prediction
South Florida easily covered a 36-point spread against FCS-level South Carolina State two weeks ago before an idle week.
Advanced metrics courtesy of ESPN’s Bill Connelly argue Charlotte is a mere 10.4 points better than South Carolina State.
While this spread may seem low, factor in the likelihood of losing focus against an FCS team and then still winning by 49 points.
Charlotte vs South Florida Over/Under prediction
South Florida may threaten this total all on its own, but the worry in betting an Over is that Charlotte may not score.
Charlotte vs South Florida odds
- Spread: Charlotte +27.5 (-110) | South Florida -27.5 (-110)
- Moneyline: Charlotte +2200 | South Florida -8000
- Over/Under: Over 55.5 (-110) | Under 55.5 (-110)
Charlotte vs South Florida trend to know
South Florida is 7-3 against the spread in its last 10 games. Find more college football betting trends for Charlotte vs South Florida.
How to watch Charlotte vs South Florida
| Location | Raymond James Stadium, Tampa, FL |
| Date | Friday, October 3, 2025 |
| Kickoff | 7:00 p.m. ET |
| TV | ESPN2 |
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