MTO EXCLUSIVE: We Have Details . . . On Rapper YO GOTTI'S Main Chick . . . She's Pretty . . . Educated . . . And NOT AN INSTA-THOT!!! (Bikini Pics)

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Rapper YO GOTTI may seem like he only dates THOTS and STRIPPERS . . . but that's not true.

MediaTakeOut.com learned that the Memphis rapper is dating a beautiful COLLEGE EDUCATED woman - who is of HIGH Christian morals.

His girlfriend is named Moritica and she works in FINANCE in South Florida. We're told that she's Yo Gotti's MAIN these days.

We wonder if Gotti will ever do like Gucci . . . and WIFE HER!!

Here's the girl:

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In Other Gotti News... The rapper has partnered up with Cardi B and previewed their new collab.