The QB for Miami, DeQuan Finn, played for Toledo transferred to Baylor and then to Miami(OH). This is his 7th year.....
https://www.sports-reference.com/cfb/players/dequan-finn-1.html
Massey has them predicted at 5-7. With conf. wins over Maryland, Washington, and Illinois. lol. Currently they are #27 in their ratings.
I am with you. I see 3-9 and I might change that to 2-10 in another week or two.