I don't think your husband is lazy... I do think think your expectations are too high.
Have you ever worked an overnight job before? And a fulltime one at that? Unless you have the metabolism of a bat or some other nocturnal critter, very few people can function well after being up throughout the night. Humans aren't designed to be awake all night only to sleep a few hours during the day. Scientifically speaking, there are tons of studies that show workers who must sleep during daytime hours are more prone to fatal accidents, early death, and endless health issues due to lack of sleep. Studies even show that sunlight streaming through closed blinds can even negatively affect your health if your primary sleep hours are during the day.
I'd guess your husband is just physically exhausted, and probably doing all that he can muster on the wacky schedule he's working. I'm mean think about it, if he were really lazy, would he even take something as undesirable as an overnight job to help support you and your family? I think if he had some choices, he'd probably pick the regular 9-5 during daytime hours, and get some sleep...real sleep in a comfy bed, next to you.
Before you kick your man to the curb, or hurt his feelings unnecessarily, have some compassion on him, and yourself and try to come up with a house cleaning plan that is more simplified and realistic for where you are both at during this time in your lives. Realistically, you're probably never going to acieve the kind of clean house you want, as long as you run a daycare, and your husband works overnights. Accusing him of being lazy is only create tension and anger for both of you, and for no good reason. Save that kind of seething for when you catch the guy cheating on you, or spending all of those hard earned dollars on a nasty habit like gambling or an addiction. Remember, the guy IS supporting you, he DOEs clean and help with the kids...right now. But who knows how long he'll keep it up, if he feels unfairly attacked or unappreciated for what he DOES do to make things work for your family.
Right now, money is tight, and when a couple has to both work to keep things running smoothly, your going to have challenges. ANd when stress kicks in, the first thing people want to do is start to point fingers, feel sorry for themselves, and accuse the other of not pulling their weight to make things work. This is the worst thing we can do to ourselves...and it's dillusional. Remember, this is a team effort, and it will fail if you kick humility out the door.
I know your daycare job is probably taking a toll on you. Kids are no piece of cake. And keeping a house clean with kids hanging around is a challenge in itself. Maybe look into setting up a system that's easy for everyone and maybe lower your expectations a tad bit. Most important, don't mingle business with your personal life. You're asking for trouble. Ask yourself whether the help your looking for is really about keeping the house clean, or getting a sense of control and order because your daycare business is too much. If that's what's really going on here, consider hiring an assistant if the daycare is getting to be too much to handle.
After all, what's more important? A super immaculate, showroom-showcase house, or a happy marriage?