n. an unattractive person, male or female, esp. one who is used for sex or money.
If you listen to the Nelly's lyrics, the term is used by both female and male.
Male: I said it must be ya ass cause it ain’t ya face/I need a tip drill, I need a tip drill…
Female:It must be ya money, cause it ain’t ya face/You a tip drill, nigga you a tip drill.