BTW, I see that I had a misapprehension about Part IV of Article 220, I thought that 220.84 and 220.85 were somehow linked to 220.82, just because of proximity. But they are completely separate, correct? So my comment in post #8 isn't quite right, as I haven't accounted in the comparison for the different base calculation methods in the different approaches.
Thus to step back a bit and look at the big picture, In Article 220 you have:
Part III of 220, the standard calculation, can be used for any service or feeder.
220.82 applies to any 120/240V or 120/208V 3 wire feeder or service that supplies the total connected load of a dwelling unit, and gives you another way to calculate that load. To paraphrase it's "100% of the first 10 kVA of non-HVAC, plus 40% of the rest of the non-HVAC, plus the HVAC which is usually at 100%."
220.83 is weird in that for existing dwelling units you have the option to do the same computation as 220.82 but subtract 1.2 kVA. That's because the 100% only applies to the first 8 kVA, and (100% - 40%) * (10 kVA - 8 kVA) = 1.2 kVA less.
220.84 applies to any feeder or service (no system voltage/configuration limitation) that supplies 3 or more dwelling units, as long as each dwelling units includes certain loads, or at least an allowance for those loads. And in contrast to 220.82, it basically reads "take 100% of everything in the units, apply the Table 220.84 demand factor based on the number of units, and add the Part III house load."
Then 220.85 says for two dwelling units, you can use the lesser of (a) the Part III calculated load or (b) the 220.84 calculated load for 3 identical units.
Now, I see nothing in 220.82 that restricts it to services or feeders that supply only one dwelling unit. So if your two dwelling units are supplied by a 120/240V or 120/208V 3 wire feeder or service, you also have the option to (c) calculate each dwelling unit per 220.82 and add them together. So between 220.82 and 220.85, you can use the lesser of (a), (b), or (c).
And for 3 dwelling units that are supplied by a 120/240V or 120/208V 3 wire feeder or service (and not, say, a 208Y/120V 4 wire feeder or service), you still have the choice of using 220.82 or 220.84. The 220.84 diversity factor is 45%, while the 220.82 factor is 40%, except the HVAC and the first 10 kVA are counted at 100%. So if "5% of everything" > 3*6 kVA (60% of the first 10 kVA, for each of the 3 units) + 60% of the HVAC, i.e. if there's a lot of non-HVAC load and not much HVAC load, you might have a lower load applying 220.82 than using 220.84.
Is that a fair summary of the big picture, with respect to the different options for load calculation strategy in the various cases?
Cheers, Wayne