1944 Whizzer Model H on a Lincoln-badged Schwinn - Motorcycle Classics
Perhaps no other American-made machine gave as many young folks their first taste of powered two-wheeling as did the Whizzer.
www.motorcycleclassics.com
"138cc 4-stroke side valve engine "
I did wonder that too til I did some searching.
Wiki Cross Section View, See Diagram that has valves still on top, but intake exhaust only slightly lower down from the head:
Flathead engine - Wikipedia
en.wikipedia.org
https://en.wikipedia.org/wiki/Flathead_engine
Showing later model to sell one with side valve a 1949 job:
Whizzer - 138cc four-stroke single cylinder from the USA - 1949
Whizzer 138cc four-stroke single cylinder. Built in 1949. The Whizzer comes with a purchase agreement with engine and frame numbers for the registration inspection. The Whizzer runs well and is very fun to drive. Side-valve single cylinder four-stroke motorcycle with belt drive. This vehicle...
www.catawiki.com
MT