I would encourage you to stay put in your job. There are too many risks. I think one thing that gets missed when choosing this profession is how little time you get with your actual kids once you open a home daycare. I did this to spend time with them but I am unable to 1) take them to the Dr. 2) go volunteer in class 3) spend time with just them in the summer (unless on vac). Also, you will be wiped in the evenings, have to program, clean and cook in the evenings

You also need to factor in your closures for vacation and that that time is unpaid.