I'm trying to create a stored proc that will do a Bulk Insert into a temp table from a csv on my local drive

CREATE table [#tfCSO](
	[Personkey] [int] NOT NULL,
	[LastName] [varchar](50) NULL,
	[FirstName] [varchar](30) NULL,
	[MName] [varchar](30) NULL,
	[CSCD] [varchar](30) NULL,
	[CSO] [char](1) NULL,
	[CSTSID] [varchar](10) NULL,
	[OfficerType] [char](2) NULL,
	[Inactive] [char](2) NULL
) 

bulk insert #tfCSO
from 'c:\OTReg\TF0416.csv'
with
( Firstrow = 2,
  FieldTerminator = ',',
  Rowterminator = '\n',
  Tablock
)

other stuff here
--drop table #tfCSO

SQL keeps telling me "Cannot bulk load because the file...could not be opened.
No, I don't have the file open in Excel.
And no, I don't want to create an SSIS package, tried that - couldn't get to the temp table afterward.

What am I missing?