Schedule around your kids. Yep, it's a problem, but you learn to grab those moments. "Quick, the kids are at the neighbors playing, let's go fool around". My wife can be loud when we are having sex, so while the kids are asleep, we have to try to be quiet. It can put a damper on things.
But, Kids are great. Wouldn't change that part for anything.
But, so are grandparents babysitting, sleep overs for our kids at a friends house, etc.