I had my mame.ini 's set like so
match refresh rate 1 (I had to change the 1 to a 0) And a few others like that.
I already knew that my mame32 would play everything and my "command line" mame was having problems. So I opened up both .ini files (mame32.ini and mame.ini) and put them side by side on my desktop and I just went down the list to see where the differences where. Obviously I focused on the video options because thats where my problems were.
hope this helps someone.