If USC wins Pac12 or any other Pac12 champ except Stanford;

If Stanford beats ND;

If Auburn beats Bama or Florida loses to Florida St and then beats Bama in the Sec Champ game;

If *Michigan beats and 11-0 OSU and a 12-0 Iowa; and if

TCU is the only 1 loss Big12 team;

Then you will have at least one 2 loss team in the CFP final four.

If the above were to happen, try and find 4 teams with less than 2 losses to fill the bracket using the committee's factors of conference champ and head to head results.