Backstory - Stepdaughter (17) lives with us full-time. Her mom just moved back from Florida last fall, and she has another daughter, 9 that lives with her.

Our schools just closed for 4 weeks as of 8:00 last night.
At 11 I got a text from my step-daughter's mom wanting to bring her daughter to our house so SD can babysit her.

How would you answer that?

Her mom also works in a factory so her exposure compared to ours (DH-1 person, mine-5 usually) is huge. She would be dropping her off at 5:30 in the morning, before any of us usually get up. Not sure on pick-up time.
ETA: our kids are 5 and 3.