I've been living for more than a decade with a simple 48v array (has grown to 24 panels or 6 strings @ 48v) and simply wire the wires directly to the electric water heater.
*I never changed the ac thermostat for the dc one so if I ever forget to turn off the (almost instant) hot water, a breaker in the water tank does it for me (but now I will need to wait much later to take a shower pending the tank cooling down so that has been somewhat solved by a "system".
And get this, if you DON'T bother changing out your ac thermostat and decide to be lazy like me by leaving it in there, I've found it doesn't make a difference which wire I connect to positive or negative, it just works.
Typically, on a bright day, I can make my water heater go from cold water from our well to skin-safe shower water in about an hour (if 110v didn't burn up that water heater my 48v should last forever and ever as per the amps produced).
*****I also convert all ac hotplates to dc direct using the same exact 48v array! I also use an mppt controller as a DUMP LOAD which automatically shapes my day (never put your controller on a breaker as you might your appliances (water heater, hot-plate cookers, etc.); rather the controller that you use to charge your batteries needs to be connected directly to the incoming solar panels at the input of your breaker box (in my case there are now 3 instead of 2 wires in each of the breakerbox input bolt.
There's more! We even have 3 12v direct energy applications running our lights perfectly (even the open signs startup at dawn and turn off at dusk) I made videos but my website is banned by the military (or whoever has broad control of everthing conected to the internet) or else I'd bother to jot the site address here.
Good luck, if this isn't what you want then I hope it helps someone else.
p.s. I'm taking offers on the all-steel bus