Yep I think you're born with it, my husband is a really talented musician, completely self taught, he teaches now and works with musicians who went to Music College, several of them play brilliantly but you can really tell the difference. They all acknowledge he is better, he has a better ear and can play a song by listening to it and actually 'construct' a song which they can't do.
I still don't know what my talent is .....but whatever it is I bet I'm bl**dy good at it LOL!