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!
"I was impressed by Michael Brown's willingness to accept responsibility for how incompetent everyone else was. He candidly admitted he was too trusting, too able, too overskilled to deal with all the retards around him. Overall, Jon, a heartfelt and stirring you-a culpa."