Oh wow - it really sounds like there's alot going on in your life. These are really hard years to get through with so much change (having a baby and rearranging your whole life to accommodate a new person!), and to add on top of that the other stresses you must be having sounds really, extraordinarily tough. I just want to offer some love for how difficult your situation is.
I wouldn't be surprised at all if baby is responding to your stress levels - which is not to say there's anything you're doing wrong! Stress happens, and babies know.
Good luck, mama!