Generally used more in a friendly, jocular manner when a homegirl expresses her sexually promiscuous escapades to another homegirl. The typical response is "you a ho!" to show surprise at the situation, but usually not disgust or anger.
It's kind of ghetto sounding, but not as stupid sounding as youz a ho.
Keisha: Oh gurl, I was lookin at my camera from the party last night... I gave a lapdance to Marcus and a blowjob to Jamal!!
Lafonda: Gurl you a ho!
Keisha: Shit gurl I know!
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