Preparation Steps

• Preheat oven to 400°F (200°C). Lightly grease a baking sheet or line it with parchment paper.
• In a skillet over medium heat, cook ground beef until browned. Drain excess fat. Stir in taco seasoning and water; simmer for 2 minutes. Remove from heat.
• Place one tortilla on the prepared baking sheet. Spread half of the cooked beef mixture evenly over the tortilla, followed by half of the black beans, 1 cup cheddar, and 1/2 cup Monterey Jack.
• Top with another tortilla. Repeat layers with remaining beef, beans, and cheeses.
• Bake in preheated oven for 12–15 minutes, or until the tortillas are golden and the cheese is melted and bubbly.
• Remove from oven and let cool for 5 minutes. Slice into wedges.
• Serve warm with salsa, sour cream, lettuce, tomatoes, black olives, and green onions on the side.