For any temporary resident visa (visitor, student, work permit), applicants prove they have strong reasons to return to their home country at the end of their visit.
Having a Canadian spouse only makes it even more difficult to get an approval for a temporary resident visa. IRCC is fully aware that the applicant is not a genuine visitor + s/he will apply for PR by the inland route. To be approved, these applicants must submit super solid applications.
Or some people apply for TRVs before they get married. If approved, they then file for PR later by the inland route.
IMO, in your case, you don't have any strong ties + zero finances + you would be viewed as someone who wants to bypass the wait times for outland PR sponsorship = Not a genuine TRV visitor.
Not sure why your husband did not apply for your PR when you just got married.... or shortly after your baby was born. Those were the best solutions
bad luck then. Husband got PR last year only. In July 2018. And landed in September 2018...