A HVAC person is providing a 3 head ductless heat pump system, where 3 indoor units are wired to one outdoor unit which has a nameplate that states Maximum Overcurrent Protective Device (MOPD) 25 Amps, Minimum Circuit Ampacity (MCA)18.1 Amps, and 3 indoor units will be powered from this outdoor unit does the manufacturer figure that load into the MCA? It seems 440.4(B) would require that. Its just a little close to the 20A ampacity a 12/2 NM cable and I am wondering if they figure every combination of indoor unit and use the 3 largest ones. It's probably worth calling the manufacturer but curious what you all do.