Re: what to do
If u r having a baby i would seriously PUT OFF starting own business until after u are well settled with baby. If property prices r going down in your area, rent for a while then buy. However, if theres not much difference btwn renting and mortgage payments, buy now and start business later. Businesses care surprisingly hard to run yourself, and u may find that there is little or NO return for ages, in your situation with a baby on the way, really i would advise your husband to stick to the job for now in order to have a steady income.
Still u should pray istkhaara.