Brandi, I hate to offend but Im going to say this and hope you know I dont mean any offence... sometimes text doesnt come out as planned but here goes...
You currently have marrital problems and tension around the house, DH is around the house and being 'lazy'. On top of that you have Zoe in school, but when she gets poorly she gets very porly and has needed lots of hospital trips and definitely lots of 1 to 1 care and attention. Is it then fair to open your house as a day care setting when you run the risk of needing to close to collect or care for her (or your other 2!), or is it fair for children to be looked after around such friction? Will you be honest witht he potential parents are fill them in onthe back ground details of your current situation? When you a family its not so easy to avoid putting your own kids in the situation of hearing an arguement etc, but I would be totally unhappy if I was paying for care and my care and my child witnessed anything similiar