Preheat your oven to 350°F. Line your loaf pan with parchment paper, leaving a couple inches of overhang on the long sides so you can lift the finished cake out easily.
Make the streusel: Combine 60 g flour, 50 g dark brown sugar, and 1/2 tsp cinnamon in a bowl. Cut in 40 g cold butter using your fingers or a pastry cutter until it forms pea-sized crumbs. Pop it in the fridge while you make the batter—this step is crucial for crunchy streusel.
Mix the dry ingredients: In a medium bowl, whisk together 270 g flour, 3/4 tsp baking powder, 1/2 tsp baking soda, and 1/2 tsp salt. Set aside.
Cream the butter and sugar: In a large bowl, beat 100 g butter and 200 g granulated sugar until light and fluffy, about 3 minutes. Add 2 eggs one at a time, beating well after each, then mix in 1 1/4 tsp vanilla extract. The smell of vanilla and butter at this stage is pure baking therapy.
Add the sour cream and oil: Mix in 200 g sour cream and 30 g vegetable oil. The batter might look a little curdled at this point—that’s totally normal and means everything is emulsifying properly.
Fold in the dry ingredients: Add the dry ingredients in two additions, folding gently with a spatula until just combined. Do not overmix or the cake will be tough. Reserve 2 tablespoons of the flour mixture before you mix it in. This is the non-negotiable step that keeps your swirl from sinking.
Prepare the swirl: In a small bowl, stir together 1 1/4 tbsp ground cinnamon and the 2 tablespoons of reserved flour mixture.
Layer the batter: Spread half the batter into the prepared pan. Sprinkle the cinnamon mixture evenly over the batter. Gently spread the remaining batter on top, using an offset spatula to smooth it.
Top with streusel: Sprinkle the chilled streusel evenly over the top of the batter. You’ll love the way it looks before it even hits the oven—all buttery, sandy crumbs.
Bake: Bake for 55-65 minutes, or until a skewer inserted into the center comes out clean or with a few moist crumbs. If the streusel is browning too fast around the 50-minute mark, tent the pan loosely with foil.
Cool: Let the cake cool in the pan for 20 minutes, then use the parchment sling to lift it out and transfer it to a wire rack. Cool completely before glazing.
Make the glaze: Beat 50 g cream cheese until smooth. Add 1 tsp vanilla extract, 35 g powdered sugar, and 3-4 tsp milk, beating until smooth and pourable. Drizzle over the cooled loaf. Watching the white glaze cascade over the golden crust is my favorite part.