If the player has a really rare fruit that they really want to grow, chop down an existing tree, uproot the stump, then plant your desired fruit. This also works for money trees. So long as no other tree is planted next to the tree, this will automatically grow into a new tree. When you want to plant a coconut make sure you plant it on the coastline. No other tree can be planted on the coastline.(If you are playing New Leaf, bananas are also planted on the coastline.)