If two dwelling units are supplied by a single feeder or service, and the calculated load under Part III (Standard Method) exceeds that for three identical units calculated under 220.84, the lesser of the two loads may be used. This method provides a code-compliant and efficient approach to sizing the service or feeder for the entire building.
So in accordance with NEC 220.85, the calculation starts with the load of the larger unit, considered as the “third unit” for demand factor purposes.The demand factor for a three-unit dwelling (45%) is applied to estimate the total service load for a duplex.

Duplex Home Load Calculation

Service Details
Service
NEC 2023: each dwelling unit feeder per 220.82 (optional method). The service for both units per 220.85: the lesser of the Part III standard method and three identical units per 220.84 (optional method, 45%). A duplex has exactly 2 dwelling units.
Single-phase, 3-wire service (220.82(A)).
Common-area loads (exterior lighting, irrigation, etc.), added at 100%. Supplied from a separate house panel, not from either dwelling unit's panel (NEC 2023 210.25(B)). 0 if none.