Combine dry ingredients: Whisk together flour, baking powder, pumpkin spice, and salt. Set aside.
Combine wet ingredients: In separate bowl, whisk the egg, pumpkin puree, light brown sugar, oil, vanilla, and sour cream until just combined.
Fold the dry ingredients into the wet ingredients: Don’t over-mix the batter! This will made the bread dense and chewy instead of light and fluffy.
Make the cream cheese filling: In a separate bowl, combine the cream cheese, egg, sugar, and flour.
Build your bread batter: Layer two-thirds of the bread batter in a greased 9×5 loaf pan. Then, layer with the cream cheese filling, followed with the pumpkin batter on top.
Cook the Pumpkin Bread: Bake in a 350 degree oven for 45-50 minutes, or until a toothpick inserted comes out mostly clean. Cool in the pan for 15 minutes before loosening the edges with a knife, removing from the loaf pan, and placing on a wire rack to cool completely.