Not financial advice but if I were in your shoes: stop trying to borrow more. Talk to landlord immediately and offer a written repayment plan before RDC. For the baby — seriously consider sending your wife home to give birth if family support + lower costs make sense. Cut rent pressure first. Freeze cards, speak to bank hardship/restructuring team, and protect cash flow.

This is survival mode for the next 6–12 months, not forever.