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Ok, I think you are right. Be nice to see a link to the actual rule.

You are missing the point. If Miami wants to sign one or two more graduate transfers after they graduate in May, they likely count towards the next academic year. Yes, that takes spots available from next year. Eventually the grad transfers staying one year only catch up to you if you are...

I think that's right and eventually you get burned by too many transfers. Ideally you need to redshirt 3-5 a year and take no more than 2-3 grad transfers per year.

I believe this is only until spring. Grad transfers that transfer after May graduation should not be affected.