The "I love you" scene from Episode 11 is decided at the beginning of Episode 7 if Josy and Maya are treated equally. At least, that's how it works for me. If the MC calms Maya down, she gets the scene in Episode 11, and vice versa for Josy. You should pay attention to DPC's hints in the game because before the decision at the beginning of Episode 7, we see a poster telling us to save our progress. So, create a save file.
Example of another DPC hint: The same applies to something Tommy said to the MC in Episode 4. He should think outside the box. How many will have forgotten that line? But in Episode 11, the MC opens the box, and it's empty. But later, Sally's mask is lying right next to the box. Think outside the box.
We decide on the three-way relationship in Episode 4: no throuple, friendship, or romance. This decision will influence solo routes and the three-way relationship.
The thing with Neil will probably be resolved in Episode 12. Maya asked the MC if he'd explained it to Neil correctly, and the idiot hadn't, because he hadn't told Neil a crucial detail. Therefore, I strongly suspect this is how Christmas will play out. Josy will celebrate with her mother, Iris, Derek will be with Helen and Patrick, and Maya will be with the MC and Neil. Why? Neil was alone for Thanksgiving, and this will be balanced out at Christmas. Maya will tell Neil about the missing detail. What would that be?
That Maya and Josy were already in a relationship before they even met the MC. The MC hadn't told Neil this. Neil's biggest fear was that everyone would feel the same way the MC did. Josy only told Maya this so that she wouldn't reflexively tell her she loved Maya anymore. But Josy didn't say it so that she wouldn't love Maya anymore. Remember Episode 4? Josy said that so she wouldn't show it to Maya lately (EP11), but also so that deep down she would never stop loving Maya (EP12). And another hint from DPC. EP4 already shows us what's to come.