Prepare either a 9-inch loaf pan or muffin pan with cooking spray or muffin tins and preheat oven to 350 degrees F. for muffins.Combine dry ingredients in a large mixing bowl. Stir together all wet ingredients in a medium mixing bowl. I stir all wet ingredients together without eggs and then stir in eggs quickly to keep the coconut oil from hardening back up.Pour wet ingredients into dry and stir without over mixing. Fold chocolate chips into the batter.Pour batter into loaf pan or muffin tins and bake.For muffins- bake at 350 for 20-25 mins and for loaf- bake at 350 for 45-50 mins. (oven temps can vary, so bake until toothpick inserted in the center comes out dry)Allow muffins or loaf to cool for 5-10 mins and then enjoy!