Preheat the oven to 350β (175β), grease a 9-inch x 3.5-inch (24 cm x 8 cm) Bundt pan with soft butter using a pastry brush and then spray non-stick oil spray all over the pan.
Combine room-temperature milk and vinegar in a large bowl. Set aside for 5 minutes until it is slightly curdled.
Add oil, cane sugar, light brown sugar & mashed bananas. Mix with a whisk until combined.
Add all the dry ingredients (flour, baking powder, baking soda, salt and cinnamon) & Mix with a whisk until fully combined without any lumps of flour.
Pour half of the banana batter into the greased Bundt pan and level it an even layer.
Scoop cream cheese mixture on top of banana cake batter and top with remaining cake batter.
Swirl it with a knife to get ribbons of cream cheese.
Sprinkle some cinnamon sugar if desired. I love the extra crunch!
Bake for 50-55 minutes or until firm to touch on top.
Let it cool for 30 minutes.
Flip the cake on a serving plate and drizzle with salted caramel sauce. enjoy!