In a bowl, whisk together the flour, baking powder, and salt.
In another bowl, whisk the eggs, then add the milk and stir until smooth.
Pour the wet ingredients into the dry ingredients and mix until the batter is smooth and lump-free.
Heat a skillet over medium heat and lightly grease with oil.
Pour a small amount of batter onto the skillet and cook for 2-3 minutes, until the bottom is golden brown.
Sprinkle with grated cheddar and mozzarella cheese, then add diced tomato, green onions, and optionally jalapeño or chicken.
Place another pancake on top, gently press down, and cook for another 2 minutes, until the cheese is melted and the pancake is crispy.
Carefully flip and cook for an additional 1-2 minutes, until both sides are evenly golden brown.
Remove from the skillet, slice into triangles, and serve with fresh cilantro, sour cream, and salsa.
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