Daycare Dilemna Might Keep Us From Being Able to Foster Parent

My husband and I have always been interested in foster care and adoption. We have finished our classes and are in the paperwork/home study stage and have run up against a huge brick wall. Daycare. Both my husband and I work fulltime. We have a fantastic daycare provider for our daugther (who is two) who she has been with since she was 6 weeks old. When we met this woman she was working at a licensed in-home daycare. She left several months ago and started her own in home daycare, which is not licensed. Still, we know this woman well and our daugther does extremely well with her. We thought we understood in training that any unlicensed daycare provider would just need to go through a background check and our provider was willing to do that and was willing to hold a spot for us. However, during the conversation with our case worker we were told we need to have any foster children in a licensed daycare. I have called around and am getting the same info from all the licensed daycares (in home and facility)...in will just be luck of the draw if they have an opening or not, deposits will need to be paid and even if we only have a child for a week, we will still be liable for a two week notice fee (so two weeks of daycare we won't be utilizing) and, oh, by the way, the child will need medical forms filled out before you can enroll them...so each child we might have placed with us we would need to take days off work until we can get them to the doctor, forms filled out, etc...and even then there is no guarantee of openings. Both of our jobs are understanding...but I don't see how we are to do this. I know we could go with an older child who is school age and not deal with this daycare...but we are not wanting to disrupt birth order and so we want any children coming into the home to be younger than our daughter...and she is 2. We were just looking to adopt, and then we went to the foster classes which were required to get approved and talked to the case worker and they explained how much they need foster families and we thought we would give it a shot. We were told a lot of people foster parent and both work fulltime and have other children...but I don't see how this is supposed to work. Are there suggestions, tricks, or someplace else I could look that I am not aware of? Basically, our case worker has sad this is something we need to figure out...but I am feeling at this point I almost just want to say, forget it, we'll just put ourselves on an adoption list and wait. We live in Indiana. Any suggestions would be appreciated!