bum

although this theoretically inclusive term can refer to either sex, it tends to be reserved for men. You may want to use instead street person, homeless person. "Bum" and its traditional synonyms (beggar, hobo, vagabond, sponger, scrounger, vagrant, parasite) are often indefensibly pejorative given that many are homeless today because of a combination of societal values, political decisions, the economy, ill health, and bad luck. See also bad guy.