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There are some other factors that influence loyalty as well; happiness, governors, grievances of the founder against the current owner, and military garrisons during occupation are the big ones.
But once you've made peace and had the city ceded to you, you don't get a benefit from a garrison anymore. If that city you hold is taking overwhelming pressure from cities of that rival you didn't take, there's not much you can do. You'd need to go back in time and take more cities during the war to actually solve the problem.
A city you found right up against a rival's borders will also be overwhelmed and flip away rapidly. You're not taking a big hit from grievances in that case, but the population pressure dominates. Pay attention to those warnings in the settler lens; if it's showing "-20", you can't hold it.
Ive managed to get it to 3 turns and ive sent one of my military governors and i always keep a unit garrisoned. I mean i can absolutely keep taking the city and its ig free xp every few turns but imma see if the governor can do anything if he even arrives in time but the nearby cities are giving -20 loyalty so not much i can do. Ill keep occupying the city until i have to raze it incase of a war on the continent.
So, -20 from population; that's the cap. If the city's ecstatic (+6) and has your founded religion (+3) and a governor (+8), you're still at -3. A monument gets you to -2. Still more needed, or it'll flip away in 25 turns. Maybe a couple policy cards, maybe Victor's tier 2 promotion (which requires him to be established).
It is possible to beat that -20, if you have all the positive modifiers working for you. But you need all of them, and no extra negative modifiers like that grievance penalty.