Mix flour, sugars, BP, BSoda, flax meal until combined, then mix in coconut, set to side
Mix banana, pumpkin, vinegar, essence, oil until combined then mix into dry mixture
Pour in milk, 1/4 c at a time. Mix until well combined.
Stir in chocolate chips
Fill up a dozen muffin cups lined with wrappers and bake in preheated 350 F for 25 mins