Pick three 12 volt batteries (actually pairs of 6's) and tie the + posts of those three together and do the same for the negative posts.
You are just connecting three 12v batteries in parallel in effect.
This will give us the current 36v/105 amp tap to the 36v cart motor and with parallel on top of the series we will have the 12v/315 amp tap for the invert.
I do not have a scanner or I would upload my church bulletin.
At this point I guess I will take the cheap route min number of cables due to the size they will need to be to cope with possible loads.
For those who wants the advantage of a 36v to 12v converter without the cost for just radio/lights the wiring could not have be very heavy at all.