In a medium bowl, whisk together the 4 tablespoons low-carb vanilla whey isolate protein powder, 2 1/2 teaspoons cinnamon, and 3/4 teaspoon monk fruit for the filling. Stir in the 2 1/2 to 3 tablespoons water until smooth and combined. Scoop the filling into a small Ziploc bag, cut a tip off one of the bottom corners, and set aside for later.
Heat up a nonstick griddle to medium heat (about 300°F) and rub with ghee to prepare the cooking surface.
In a large bowl, whisk together the remaining 6 tablespoons low-carb vanilla whey isolate protein powder, 2 tablespoons coconut flour, 2 teaspoons monk fruit, 1 1/2 teaspoons cinnamon, 1 teaspoon baking powder, and 1/4 teaspoon salt.
In a separate bowl, whisk together 1 large egg, 1/2 cup plain 2% Greek yogurt, 3 tablespoons milk of choice, and 1 tablespoon ghee. Pour this mixture into the flour mixture and stir until everything is well combined.
Using a scant 1/4 cup, pour the batter onto the heated griddle. Spread it out slightly to form pancakes about 3 inches wide.
When the edges start to set (about 30 seconds to 1 minute), pipe a spiral of the protein/cinnamon mixture onto each pancake. Leave about a 1/4-inch space on the edge so the filling doesn’t spill out.
Cook until golden brown on the bottom, about 3 minutes. You’ll know they are ready to flip when the edges look firm.
Gently flip the pancakes and cook until the other side is golden, about 3 to 4 minutes.
While the pancakes are cooking, place 3 tablespoons cream cheese in a medium, microwave-safe bowl. Microwave for only 5 to 10 seconds until the cream cheese just begins to melt.
Whisk in 4 1/2 teaspoons monk fruit, followed by 2 to 3 teaspoons milk, until smooth and well combined.
Serve the pancakes warm, covered with the cream cheese topping, and enjoy!