If I book a room that will work for two people (i.e. with two beds) but only book for one person would we be able to change the reservation later to be able to share the room?

In a better market you might be able to use those things to get a better deal on commercial insurance but in the current market there won't be flexibility.On personal policies/1-4 unit rental dwelling policies there won't be any flexibility whatsoever unless it's something the company already has built into their guidelines/pricing.

These are all private so someone had to include them, and then that person can pursue you for failure to comply.

Recommendation letters would be fine as well, but personally, I think talking to them over the phone is more ideal as it's easier to get answers and just a better understanding of the tenant. 

If you can't keep control of your personal finances, you are highly unlikely to succeed in real estate investing.

Then visit the lender website and see if the have an REO section or try to find a person's name.

Basic recommendations- Deed of Trust-Personal Guarantee-Promissory note-JV agreement (to protect the lender from violating usury laws)-clear late fee schedule, cure period agreement-cross collateral if the subject property doesn't safely cover you with enough equity

I would hire another person that has construction and real estate background.Take your  annual Salary. 

And, if you find that person on the right day, you can make a deal that works for both.

Myself, significant other, and my close friend/business partner have been renovating his personal residence for the past few months with the intention of renting it soon.