My husband has a 9 and a half inch penis but it is curved downward (like a rainbow). does this affect our chances of conceiving?

No, normal variation: The described penis of your husband is within normal variation, which should not affect the odd to conceive as long as quality and quantity of semen and sperms are ok and you are anatomically and functionally normal to conceive. On average, 50% of infertility - from female factors; 30%, from male's; 20%, from both sides. More? Seek evaluation & counseling timely.