The Erotic Ghost (2001)
aka: Sexy Scary Movie

Plot: Seduction Cinema presents this exploitation romp starring Penthouse Pet Tammy Parks as Doris, a sexually frustrated housewife whose husband ignores her. One day, after slipping into what she thinks is a dream, Doris encounters two scantily clad ghostlike women in her house, with whom she makes love with. Then, when she encounters two delectable demons in her basement, Doris realizes her appetite for love has only been whetted. Meanwhile, her husband has his own bizarre day at the office, leading up to a suprising and arousing conclusion.

Staring: Tammy Parks, Darian Caine, Victoria Vega, Jade Duboir, Zachary Winston Snygg, John Paul Fedele, Bennigan Feeney, Jeffrey Faoro, Debbie Rochon, Kimbo

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IMDB: http://www.imdb.com/title/tt0256007/