Prep zucchini: Shred zucchini, then squeeze out excess liquid with a clean towel. Set aside.
Preheat oven: 350°F (175°C). Grease or line a 6-cup muffin tin.
Mix dry: In a bowl, whisk cake flour, oat flour, cocoa powder, baking powder, baking soda, sugar, and salt.
Mix wet: In another bowl, whisk melted butter, sour cream, egg, milk, and vanilla until smooth.
Combine: Stir wet into dry until just combined. Fold in zucchini and chocolate chips. Batter will be thick.
Fill tins: Divide batter evenly among 6 cups. Sprinkle oat crumble topping if using.
Bake: 18–22 minutes, or until a toothpick inserted in the center comes out with just a few moist crumbs.
Cool: Let muffins rest in pan 5 minutes, then transfer to a rack.