@lkmartin1230 - Your second post is 100% correct. She is actually a Spotted Saddle Horse/Quarter Horse cross.
Her daddy, the SSH, is black and white. Her mom is a bay QH. She ended up tricolor, with black in the mane/tail/and neck. If I had a better photo of her standing up straight, you could really tell she got the best of both breeds (short, muscular, and easy-going)