Prep pans & oven: Preheat oven to 350°F. Grease three mini loaf pans and line with parchment.
Mix pumpkin batter: Whisk almond flour, sweetener, pumpkin-pie spice, baking powder, and salt. In another bowl blend pumpkin, egg, and melted butter. Combine wet with dry; spread evenly into prepared pans.
Blend flan: In a blender, purée cream cheese, heavy cream, almond milk, sweetener, egg, vanilla, and salt until completely smooth. Gently pour flan mixture over pumpkin batter; layers will separate during baking.
Bake in water bath: Place loaf pans in a larger roasting pan. Pour hot water halfway up sides. Bake 45–50 min until a knife in center comes out mostly clean.
Cool & chill: Cool 30 min, then refrigerate at least 4 hours, or overnight.
Serve: Run a thin knife around edges, invert to unmold, and slice.