From the article "Ten have 40% or less locked in: UCF, UConn, SMU, TCU, Tennessee, Arkansas, Texas A&M, Utah State, San Jose State, Nevada and Fresno State."
I think it is a little worse than it looks for UCF. SMU and TCU look much worse than they should because their annual game is not "officially" scheduled after 2019. It is all but agreed that the game will continue on an annual basis in the future. At that point TCU will have a P5 every year, and a G5 (SMU) every year, and a random FCS every year. At that point, their schedule is filled out.
UCF can not really schedule UConn or SMU as a non-conference game. Scheduling games against Utah State, SJSU, Nevada, or Fresno State does not really do all that much for the schedule.
With all of the major H-H series being agreed to by P5 schools recently, UCF is clearly running out of time to get there 2020s non-conference figured out. Here is an article on CBS (
https://www.cbssports.com/college-footba...hedules/):
"That's where Dave Brown comes in. The 60-year-old former ESPN programming executive has software on his laptop that contains every schedule -- and every opening -- for decades to come. As the most noted contractor in the college scheduling space, Brown is the president of GRIDIRON out of Austin, Texas. Teams come to him almost exclusively to arrange big games.
"If [schools] don't have something [scheduled in the nonconference] for '27, '28, or '29, boy, we'd better start looking," Brown said. "There's not a lot out there.""
I think Danny White has done a great job as the AD of UCF. He has clearly increased the profile of UCF in multiple sports, but his scheduling philosophy of H-H only could really backfire in terms of continuing the weak SoS UCF has had recently and preventing the program from playing against some really fun and interesting football programs.