Preheat griddle or cast iron skillet on low heat.
Add vinegar to milk, stir and let sit to thicken (becomes akin to buttermilk).
Whisk together flours, baking powder and salt in a mixing bowl.
Peel and smash banana with a fork in a bowl. Add thickened milk, oil and vanilla to banana and whisk until evenly incorporated.
Add wet ingredients to dry ingredients and stir in slowly. Do not over stir. Batter should be lumpy. Over-stirring or whisking vigorously will result in flat, chewy pancakes. Lumpy batter=light and airy and fluffy pancakes. Keep the lumps!
Add a teaspoon of your choice of butter/oil to skillet and let melt.
Spoon about 1/4-1/3 cup of batter per pancake into skillet. It should sizzle lightly when it hits the oil. You may have to adjust the heat level throughout the cooking process. Lots of bubbles should form on the surface. When they start to pop, it is time to flip the pancake. The underside should be golden brown. If it is too dark, lower your heat, if it is very blonde, raise the heat a bit. Cook the other side for about 2 minutes.
Transfer to a plate and repeat with the remaining batter, oiling the pan first with each new pancake.
Serve with fresh fruits and maple syrup. Shredded coconut and edible flowers add an elegant touch. Other yummy toppings: melted chocolate or chocolate ganache or infused syrups. Enjoy!