TBarCYa's post got me thinking and his method for 3 batts using 2 ACR's, a off/on/both switch(dual circuit switch) and a on/off switch is one way, not sure i'd use his way as I'm not sure his way can switch the 3'rd batt in for the house loads however,
If I was to want to use ACR's (not a fan) with my 3 batts and guy was to split the house loads up and use two off/on/both switches (dual circuit switches), here is another way it can be done.
Switches "SW-2b" and "SW-1a" circuits contacts are redundant in that they're in parallel and feed the start batt when SW1 and SW2 are "on" position but, when either/both switch/s is in their emergency "both'ing" position (SW-1c and SW-2c contacts), this paralleling junction provides the required crossover of either (or both) house batts into the start batts side depending on which switch gets set into "both"....
Of course when SW1 ans SW2 are in their respective normal (99.99% of time) "on" positions and the engine is off, all batts go into their safely isolated mode automatically.
With engine running and switches still in their "on" (99.99% of time) position, both house batts charge as needed and independently when the ACR's parallels the two together with the start batt as expected.