Spiritual Lover (M/f, M/f/f Reluctant Threesome)

Cassie is happy when she finds a new place much closer to her job, and a gorgeous roommate to split the rent with. There is always a catch, she finds, when late one night the spiritual inhabitant of the house catches her in his icy grip and has his way with her. At first reluctant, she soon learns to enjoy the ghostly man's touch.

Story contains a ghost having sexual relations with a woman, and later two women at once.