Thanks for the feedback guys. If you read the Surreal 64 Help Thread, the latest post is my rant about Majora's Mask (J). I got the moon, and the graphics (besides my items, lifebar, etc.) are black. I can't see where I'm going, so can't go anywhere. I tried tweeking the memory as well.
At this point, I'm thinking of moving the savestates to my PC and trying it out on 1964 there... it's just one last stage.
Also with MM, you basically can load a savestate only when the Nintendo (w/ the revolving N) logo appears. Anything else has too much stuff loaded into RAM. It will load your save state, but it'll freeze. Kind of keeps you from "cheating" too much.