How to unlock horse masks in RDR2?

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Masks for your horse are probably one of the coolest things you can put on your horse in rdr2 online. I looked up on google, "How do you unlock horse masks?" and all that came up was:
Head to your nearest stable.
Go into “Tack and Services”
Go into “Saddles”
Select your current saddle.
Go down to the bottom of the list, where you'll see the “Masks” option.
But, it wont even let me click on the "Masks" option. Do I need to get one first? Or do I need to level up? And if so, how do I even get one?
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Quick Answer about "How to unlock horse masks in RDR2?"
Rockstar, What about Horse Masks in Red Dead Online in 2021?
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Images: Alexas Fotos, International Fund for Animal Welfare, Henlynn, Tony Mucci