Was on the Dream in Oct 2006 and in a outside stateroom. To be very honest, we did NOT have a folddown bunk bed on the wall. The room you have must be in a certain section on the Dream where the outside staterooms have the foldown beds mounted to the wall. Honestly on the Dream, 3 people to room is too much. My 82 YO father had an inside cabin that was fine for one person, two would have been cramped and could never envision 3 or 4 to the room. The Dream is an older ship and the staterooms appear to be smaller than any other vessel I have been on after 16 cruises. I do have a review of the Dream in cruisereviews.com that you may want to access.
If you are 3 to the room, I would start practicing sleeping in your closet.I am sure that you will find it very cramped on the Dream, especially if 3 adults.
Richard & Mary