Thanks for this comment Tortuga, I was unaware of the 5% requirement coming from another code. My question now would be how can you accurately calculate voltage drop on a residence where the load applied is constantly changing? To me, you cant, this is why we perform load calculations and size things the way we do. Commercial and industrial sizing is very different because in those applications the load being served is usually explicitly stated and you know how much certain things will be running. That is never the case in dwelling units, which is why we already oversize them the way we do. Lets be honest here, these apartments will rarely see more than 60-80 amps of load across both phases. The way I see it, in most cases for "Dwelling Units" the voltage drop has already been accounted for with the ammount of VA we apply during our calculations.