To finish ranked, an SEC team almost needs to go 4-0 OOC as a base. Probably only one of those four is contested. Then you might catch a scheduling break with some weaker teams that year, and catch strong teams at home with a better shot at an upset.
If you "hold serve" against 4 lesser SEC teams and get one upset of a better team, 9-3 gets you ranked, even 8-4 gets you on the cusp, and then a bowl game win ...