This is for a portable generator right? If you're worried about the AHJ, just install a standard L14-30 generator inlet as if you are going to be using a 120v/240v (4wire) generator and have the customer purchase an L14-30 to L5-30 adapter for $30 or so. The adapter will be the piece that joins both phases together, and doesn't need to be present for inspection. We all know that a dishwasher and disposal will not overload a 12 AWG wire. As someone mentioned , just combine the MWBC into a single branch circuit with a pigtail if needed.