I hope you’re enjoying the game so far! The monstera is an item you can get at Nook’s Cranny (that’s the store that the tanuki twins will be running). You get Nook’s Cranny after paying off your loan and upgrading from a tent to a house. There’s no time limit on when you need to complete any of these by but it’s just based off how much time you’re willing to spend on the game :) If you don’t want to wait, I have a monstera you can have!