Help A Bitch Out

This HaBO is from Jill-Marie, who wants to track down this romance:

lease, bitches, you’re my only hope!

This book has to be from the 1980s, was most likely a Harlequin or Silhouette.

Main theme: Quiet/shy/etc. heroine is pressed into switching places with her model cousin (??), who has a contract to do (racy, for the time) PR photos with a football team (real football, not what’s popular here in the US, LOL), but can’t/doesn’t want to/won’t go.

Team manager (maybe owner??) is, of course, immediately attracted to her, but feels from the start there’s something “off.”

I remember a scene with the team in a physiotherapy pool (aka hot tub) for said PR photos; a lecture from the hero (former famous player) about how after a game, the guys want rest and PT, not sex (huh…); and him doing his best to keep anything from starting between her and the players, because that’s what he wants.

She, meanwhile, won’t pose topless in the photos, and otherwise acts very un-modelish.

I’ve searched and searched, so I need the hive mind. Please and thank you.

Sound familiar?