Tennessee Tech has some size and athleticism. The Golden Eagles play a lot of man-to-man, half-court defense, which Xavier hasn't seen too much. Keishawn Davidson is a good player. But most of this handicap to underdog Tennessee Tech is a play against Xavier. 
The Musketeers are 4-0, but haven't been playing well. Their last three victories against Bradley, Toledo and Eastern Kentucky have been by a combined seven points, including nipping Eastern Kentucky, 99-96 in overtime, on Monday. 
This marks Xavier's fifth game in seven days. The Musketeers have a rivalry game against Cincinnati on deck. 
The Musketeers are 0-6 ATS following a victory. 
Tennessee Tech is 0-2 and averages just 56.5 points. The Golden Eagles are 316th in KenPom.com's rating compared to Xavier's being 65th.  
But given the situation and Xavier not playing up to its capability yet, I'll accept this many points.