Return the mixer to low speed, add the milk, and mix just incorporated. Add the flour mixture and mix on low, about 30 seconds; do not over mix. Evenly spoon the batter over the apples and carmel. (If using muffin tins, follow the same procedure on a smaller scale.) bake until a cake tester comes out clean, about 35 minutes. (Less for muffin tins) Immediately run a knife around the perimeter of each cake. Invert the hot cakes onto serving plates. serve with ice cream, if desired.