As occupancy is a hot topic here on the DVC boards, it is limited to this thread: DVC Occupancy Thread
But to answer your question, Member Services is currently allowing 5 people in a one bedroom unit, but no additional bedding or towels will be provided...and there are no cots or roll-aways at DVC resorts...you'll need to provide a sleeping bag or air mattress.
This policy could change in the future, as there are some AKV one bedroom units that will have sleeping accomodations for 5. Whether 5 will continued to be allowed in other one bedroom units is unknown.