TTR125L. She will be able to ride it for years and for the most part go just about everywhere you go. Little tough mountain goats. One kick bikes with no choke needed if you put in the easy start jets. E start is a perk but not necessary. My daughter is 15, about 5'5" and just outgrew it after 2 years (but really she started late, so I say... a 4 year growth span bike), it was her first motorcycle. And yeah, you can sell it for what you paid years later. There is also the TTR125 (non L) small wheel that's a little smaller. I'd go with the L though. I've got a stock shaved down seat that we never used but came with my daughter's bike that I might be willing to trade (even temporary for your stock seat) that will bring the seat height down 2-3".