How do you convert settlements with no rural tiles?

For example, tiny island settlements often have no rural tiles.
They should have at least one fishing boat no? Then you can convert the fishing boat. I don't know what happens if a player settles a town, immediately converts it into a city and adds a specialist instead of a rural tile.
 
They should have at least one fishing boat no? Then you can convert the fishing boat. I don't know what happens if a player settles a town, immediately converts it into a city and adds a specialist instead of a rural tile.
I think there is a size requirement either for becoming a city or using a specialist... or both
 
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