Preheat your oven to 350 degrees.
Combine your first five ingredients (bananas, milk, vanilla extract, apple cider vinegar, and olive oil) in a small bowl and set to the side.
In another bowl, mix together the flour, salt, baking powder, baking soda, sugar, and ground cinnamon. Hold off on the chocolate chips, oats, and coconut flakes.
Add your dry ingredients to the wet ingredients and mix until smooth.
Add in your chocolate chips.
Place muffin liners to muffin baking tray, about 10.
Fill each liner about halfway.
Optional: top with a sprinkle of oats and coconut.
Bake for 18-20 minutes. Until golden brown and a toothpick runs clean. `