That likely means three (current top-20) SEC teams with 2 losses and two (current top-20 SEC) teams with at least 3 losses.
The five PAC 12 teams in the top-20 and Notre Dame also have a guaranteed 10 losses among them. That likely means at least two of those teams have 3 losses and one with 2 losses.
12-0 BYU would not be ranked behind any 3-loss teams and very doubtful behind any 2-loss team.