Looking for story read a while back and lost

[MrTornado92]

I can’t remember anything about the story, my wife and I both loved it and want to read again. All we remember was that it started with a girl borrowing a swim suit from her friend to go to a pool party because she didn’t have one. And the girl in question was also transgender, in that she looked like a girl but had a male genitalia. And at the party she went to an upstairs bed room and the host of the party was drunk and passed out and the main character girl took advantage of her. That was all we remembered from the story. Please help!