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Teams on the fringe of the NFC playoffs will wrap up Week 12 as the San Francisco 49ers host the Carolina Panthers on 'Monday Night Football' at 8:15 p.m. ET. The over/under in this matchup is 49.5. San Fran's offense runs through former Panthers standout Christian McCaffrey as daily Fantasy managers always have him top-of-mind when making NFL DFS picks. But the Niners also have the No. 2 passing offense, which makes Brock Purdy, Ricky Pearsall and George Kittle, all back in the lineup after recent injuries, desirable for NFL DFS lineups, despite their injury-plagued seasons. As for Carolina, its top-10 rushing attack makes the backfield tandem of Rico Dowdle and Chuba Hubbard an intriguing MNF DFS stack.

Any NFL daily strategy must include affordable options to balance out the big names with big price tags. Can Bryce Young, coming off a 448-yard, 3-TD game, be one of those options amongst the NFL DFS player pool? Before making any NFL DFS picks for Buccaneers vs. Rams, be sure to check out the NFL DFS advice, strategy, and stacks from SportsLine daily Fantasy expert Mike McClure. 

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McClure is a legendary professional DFS player with more than $2 million in career winnings. He uses a powerful prediction model that simulates every snap of NFL action, taking factors such as matchups, statistical trends, and injuries into account. This allows him to find the best DFS values that he shares only with members at SportsLine. His methodology has led to enormous cashes on FanDuel and DraftKings, including. In 2023, he finished tied for first in the DraftKings Millionaire Maker twice and the FanDuel Million once. Anyone who has followed him could be way up.

Now, McClure has turned his attention to 'Monday Night Football' and just locked in his top daily Fantasy football picks. You can only see his picks and analysis at SportsLine. 

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Top NFL DFS picks for Panthers vs. 49ers

Part of McClure's NFL DFS strategy is rostering Niners tight end George Kittle. Since coming off IR in October, Kittle has looked every bit like the six-time Pro Bowler he is. He has four touchdowns over his last four games, also averaging 5.8 receptions and 56.5 yards over this span. He's been the TE2 in Fantasy during this stretch and has at least five catches in all three career games versus Carolina. This year's Panthers have struggled defending tight ends, as just six teams have allowed more receiving yards to tight ends than Carolina, while only seven teams have allowed more touchdowns to the position. See who else to roster at SportsLine.

Another of McClure's NFL DFS picks is Panthers RB Rico Dowdle, who is averaging over 100 scrimmage yards with three total touchdowns over his last three games. He's clearly unseated Chuba Hubbard as Carolina's No. 1 RB, as the latter hasn't had more than five carries over this three-game stretch. Dowdle entered Week 12 ranking fourth in rushing yards (833) and eighth in scrimmage yards (1,030), and one shouldn't overlook the impact he could have out of the backfield. He tied a career high with five catches last week, going for 55 yards, and only one team has allowed more receptions to running backs this year than San Fran. See more NFL DFS picks at SportsLine.

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How to set NFL DFS lineups for 'Monday Night Football'

McClure is targeting another undervalued player who could explode for huge numbers on 'Monday Night Football'. This pick could be the difference between winning your tournaments and cash games or going home with nothing. You can only see who it is, and the rest of McClure's NFL DFS picks, at SportsLine.

So who is Mike McClure including in his optimal NFL DFS lineups for 'Monday Night Football', and which under-the-radar player offers huge value? Visit SportsLine now to see optimal NFL DFS picks, NFL DFS rankings, NFL DFS advice and NFL DFS stacks, all from a daily Fantasy expert with more than $2 million in winnings, and find out.