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Sift together flours, baking powder, soda, salt and cinnamon.
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Whisk in brown sugar, powdered buttermilk and oats. Set aside.
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In a separate bowl whisk eggs until well blended. Stir in water and oil.
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Add liquid to flour mixture just until moistened.
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Add apples, carrots and nuts, stirring only until evenly blended. DO NOT OVER MIX.
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Line 10 - 3 1/2" or 16 standard muffin pan cups with paper liners. Spoon into paper liners, filling cups about three-fourths full.
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Sprinkle each with 1- 1 1/2 tbsps streusel topping if you want {recipe on Spindles Designs}
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Bake at 400 degrees for 15-20 minutes depending on the size of muffin pans or until a tooth pick comes out clean.