Off grid Solar What panel to use to distribute power to 2 locations Butte County California
The correct solution here is a smallish electrical panel

Were I in your shoes, I would have a small-ish electrical panel (8 or 12 space, 200A bussing) in the shed to provide a home for the service disconnecting means -- having rule-of-six shutoffs here due to the multi-building nature (presuming the garage is attached and the shed separate) of this system.  The inverter can feed a main breaker or backfed main in the panel for now, and when the house is ready, the main breaker can be removed, using main lugs to feed the panel and allowing separate shutoffs for the house and shed.

If you want a single-main-disconnect solution -- that's possible as well, using an 8-space 200A panel with feed-thru lugs (called a "mobile home panel" sometimes).  The main breaker is fed from the inverter, while the feeder to the house is tapped at the feed-through lugs, and the shed circuits fed from the panel breakers, or a subpanel on a feeder breaker there.