I just wanted to add, maybe get some baby biotics or similar for her. Even if it's warts (which doesnt sound likely) or fungal, its an immune related thing. A boost to her immune system may be additional help to whatever is diagnosed/treated. The only thing that cleared up my bubba's stubborn nappy rash was Daktozin which is a combo of zinc and anti-fungal - and it worked fast. Coconut oil is good as well, but more a preventative now that you need a treatment too. Good luck, must be worrying for you x