'[I] am having, do have, have' may be English equivalents of 'ho'.
The Italian word is a verb that's pronounced 'oh'. It's the first person singular of the present indicative. The subject pronoun 'io' ['I'] isn't included in the example. That's because Italian language speakers may not use subject pronouns other than for emphasis or clarification.
Ho in Italian is "I have" in English.
"Got it!" in English is Ho capito! in Italian.
"Yes, I have!" in English is Sì, ho! in Italian.
Ho bisogno di tutto! in Italian is "I need everything!" in English.
"I have a dream!" in English is Ho un sogno! in Italian.
"I've understood" is an English equivalent of the Italian phrase Ho capito. The present indicative auxiliary and past participle also translate into English as "I have understood" and "I understood." The pronunciation will be "oh ka-PEA-to" in Italian.
Ho finito is a literal Italian equivalent of the English phrase "I finished." The pronunciation will be "o fee-NEE-to" in Italian.
Ho bisogno di un dottore in Italian is "I need a doctor" in English.
"I am finished" in English means Io ho finito in Italian.
Ho quindici anni is an Italian equivalent of the English phrase "I am 15 years old." The declaration translates literally as "I have 15 years" in English. The pronunciation will be "o KWEEN-dee-tchee AN-nee" in Pisan Italian.
Ho capito che ti amo in Italian means "I understood that I love you" in English.
"I had a dream about this" in English is Ho fatto un sogno su questo in Italian.