Preheat waffle iron. Spray with cooking spray, if needed.
Combine flours in a large mixing bowl with baking powder.
Add the rest of the waffle ingredients (eggs, milk, vinegar, oil, sugar, vanilla, and salt) to bowl and stir well to combine.
Pour 1/4 cup servings onto waffle pan. Follow waffle iron cooking instructions.
Preheat oven to 250 degrees.
After waffles are done, put them in to oven for 10-15 minutes to dry out (this step is needed only if you want to make the cake. You need to dry the waffles out or they’re too soft to hold the toppings).
Once the waffles are crispy, remove from oven.
Stir yogurt and whipped cream together in a mixing bowl.
Slice bananas and strawberries.
Spread yogurt mixture on top of waffles and top with sliced fruit.
Layer three waffles on top of each other with fruit and yogurt in between layers.
On top, spread more yogurt and fruit over top. Drizzle with chocolate sauce and caramel sauce. Dust with cocoa powder if desired or sprinkles.