Here's the thing, guys...from what I've seen, classified ads for horses usually paint the brightest possible picture of the horse, using the most glowing language available. I know there are some people who are totally honest about the horse they are selling, but there seem to be quite as many, if not more, people who are unrealistically optimistic about the horse, its behavior, its prospects. Horse selling is *known* for this very kind of thing.
So if a friend, or a trainer, tells me that their horse needs an intermediate or experienced rider, I'm going to interpret that like MyBoyPuck and TinyLiny do.
If a random stranger posting on Craigslist or equine.com states that their horse needs an intermediate or experienced rider, I'm going to interpret that as meaning this horse is some kind of problem.