so you have 2 banks? one start and one house. house is 2 golf carts.
if you are going to be living on it get a dry charger. probably 30-40a or so.
most chargers today are smart and would be fine.
I've been putting a bunch of these in
ProNauticP Series | ProMariner
2 golf carts is pretty small for a 38' boat. are you draining them too low?