Spoon cream cheese mixture on
top of the pumpkin batter layers in each loaf pan and then spoon or pour on the remaining pumpkin batter (if you don't have enough pumpkin batter to cover the cream cheese layer entirely, that's okay, because you'll be swirling them together anyway).
Additional ingredients to add to the
batter after 3 ingredients have been blended or on
top of the pancakes once ready (your preference): cinnamon, cacao or cocoa powder, chocolate chips, crushed nuts, seeds (hemp, pre-soaked chia,
pumpkin, sunflower), blueberries, goji berries, apricots, figs, apples.