Having a baby while living on a retail lot... any ideas ?

I was trying out one of the suggestions above when I accidentally figured it out.
My sim lives at her retail store and her "home" is empty. The baby spawned there after going to the hospital and when I put a house in the lot it went on top of the baby and put it in my inventory. From there I was able to go to my retail lot and take the baby out of my inventory and into my actual house/retail store