I don't see Army finishing with only one loss. They are undefeated at the moment (9-0), but their schedule has been very week. Not counting their first opponent FCS Lehigh, their opponents are a combined 24-49, with only ECU and N. Texas having winning records (both are 5-4). To be fair, they have crushed most of their opposition, their average margin of victory against FBS opponents is 23.6. But again, roughly half their opponents are 2-7 on the year and everyone is beating those teams by three touchdowns or more. So I'm not sure what that means except that they have not really been tested yet.
Hey, maybe they are the national champs come January, I'd love that, but I see them losing somewhere between now and the playoffs starting. They still have to play Notre Dame
(8-1), UTSA (4-5), then will probably be in the AAC championship game against Tulane (8-2) on Dec. 6 and then (on Dec. 14) they play a conference game against Navy (7-1). Not sure how that works out if Army defeats Tulane for the AAC championship (which would knock Tulane out of our way), then if Army loses to Navy a week later that would drop them in the final CFP polls.
IF, IF, IF the Cajuns win out and go 12-1 and if Army loses to Notre Dame and Navy we could finish ahead of a 11-2 Army team who wins the AAC championship game on Dec. 6 then loses to Navy on Dec. 14, slips in the polls, and the Cajuns move ahead of them.
Of course, none of this takes in account Boise St.