I've heard if you free a woman from stone and you demand a payment she gives you a house. Also if any one wants to know there is a house in Beregost with a caravan out side. A man tells you that you can saty there for free. Just click your rest botton and you can sleep there for free. Also in candlekeep in the libary a man tells you that you can rest in Gorians room. you can sleep in his room and the other bed rooms on that floor.

******spoiler******

interestingly enough, the house which the woman gives you is just south of Bergost. it could probably be rather comfy....if you like sleeping with fishes.

At the house directly across from the Red Sheaf Inn in Beregost is a man named Borland who offers to let you use his home. His house has a covered wagon in the front yard. You can rest there.