Creating ghostly nude photographs using Photoshop should be relatively easy. It is if you have planned ahead. Setting the camera on a tripod and taking a photograph of the empty scene and then adding a nude model means that you can overlay the two images and then adjust the opacity to create your ghost.
I have been creating some Gothic and horror photomontages of for an author to illustrate her erotic online stories.
Many of these ghostly nudes were taken in an empty house which was due to be demolished. The walls seemed to hold echoes of the past. It was easy to visualise the ghosts of previous occupants wandering through their empty rooms. Maybe it takes a creative leap to see them as attractive naked women.
I have been creating some Gothic photomontages of nudes and fetish women for an author to illustrate her erotic online stories.