Am I a bad person???

Ok long story try to keep it shorter but in late April we got a phone call from cps wanting to know if we would be willing to take in our niece for a short time. My husband and I agree knowing we have one teenage son at home still and a baby due in December. We live in a three bedroom home so I emptied the room that was the office and was going to be babies room but it is now the niece room. Ok the short time turned into possibly a year until the state can take all rights from her mother and tell us she has no where else to go so she either stays or goes to group home. Alright we decide she can stay and try to look for bigger house. Store slot of items in a storage unit including all sentimental items from deceased family, family photos, wedding dress, photo albums, baby items from my sons and ALL the items I had bought for my daughter due in December. Realtor told me to declutter so I did. Found out our house will not sell for what we owe on it so we decide we have no choice but to stay in current home and find a way to make it work. Storage shed burns down before I can remove any items. I lost everything. My niece has since decided she doesn't want to follow any rules and wants to do as she pleases. She's 13 and is in the custody of the state but lives with us. We have no say over anything but healthcare and school. We have been told we cant discipline her but taking her phone away and she must stay with us. She has become rude and disrespectful towards myself my husband and my son. Wont help by doing her 2 chores one daily and the other as needed. She's messy and I am having to clean up after her constantly plus work full time and work full time and care for out household due to husband having a job where he is not home often enough to help all the time. I want her gone I'm done stressed out and cant handle it anymore. I suffered a miscarriage last year and everyone is afraid I'm getting to stressed out dealing with this. We told her case worker she doesn't want to live with us and wants to move in with her sisters but they will not let her and tell us to just deal with it. I am to the point where I dont care if she ends up in a group home because she knows that is the other option and she still acts horrible. We took her phone rights away even though we where told not to she needs discipline some how. Oh and in case your wondering no we do not receive any payments for her being with us as money was not a concern and didnt need any help just for taking her in. So we basically are her free hotel and restuarant and taxi and if she needs anything that the state will not purchase we have gotten it for her no questions asked until she started acting like this. HELP

Update: ok well my husband hasn't spoken to me in 2 days now cause he dont understand what I'm going through when hes not home. She wont do her chores and he thinks I should remind her and then stand there and watch her to make sure she does it. And by remind her I mean multiple times of her getting snooty rude and refusing so I just do it myself. Dont want to fight or argue with her trying to keep my stress down. So hes mad I dont make her do what shes told and argue with her and pretty much stand over her till she does it. Nope not happening. And I dont want her to go to a group home she wants to live with her 3 sisters so if that's what she wants in my opinion why cant she they will have to follow all the rules we do so why cant she? And then she will be happy and I wont have the stress. I just dont get how cps can be so demanding on how we punish and what we do in our home when we have completely changed our lives to help out for a short time that has changed to a permanent situation and not giving us or her a choice.