01 -
Preheat the oven to 375°F (190°C). Lightly spray a 9x13 inch baking dish with cooking spray to prevent sticking.
02 -
In a large skillet over medium heat, crumble and cook ground beef until evenly browned and fully cooked through. Drain excess grease and return beef to skillet.
03 -
Add taco seasoning and water to the cooked beef. Stir well and cook for 2 to 3 minutes until the mixture begins to thicken. Incorporate the refried beans and mix until heated and combined. Remove from heat.
04 -
Pour a thin layer of enchilada sauce onto the bottom of the prepared baking dish and spread evenly.
05 -
Place one flour tortilla on a flat surface and spoon approximately 1/3 cup beef-and-bean mixture down the center. Sprinkle with a blend of shredded cheddar and Monterey Jack cheese. Roll up tightly and place seam-side down in baking dish. Repeat with remaining tortillas and filling.
06 -
Pour remaining enchilada sauce over rolled tortillas, spreading to cover completely. Sprinkle the rest of the shredded cheddar and Monterey Jack cheese evenly over the top.
07 -
Transfer baking dish to oven and bake for 20 to 25 minutes until cheese is melted and bubbling.
08 -
Remove from oven and allow to cool for 5 minutes. Garnish with sliced black olives, chopped cilantro, sour cream, and sliced green onions if desired before serving.