01 - Heat olive oil in a large skillet over medium heat. Add onion and cook until softened, about 3 minutes. Stir in garlic and cook for 30 seconds.
02 - Add ground beef to the skillet and cook, breaking it up with a spoon, until browned, about 5 to 7 minutes. Drain excess fat if necessary.
03 - Incorporate cumin, chili powder, smoked paprika, salt, and black pepper into the beef. Cook for an additional 2 minutes. Remove from heat.
04 - In a small saucepan over medium heat, combine black beans, water, cumin, chili powder, and salt. Lightly mash beans with a fork and simmer for 5 minutes until thickened.
05 - In a bowl, mix diced tomatoes, red onion, jalapeño, cilantro, lime juice, salt, and pepper until well combined.
06 - Heat tortillas in a dry skillet or microwave until flexible and warm.
07 - On each tortilla, spread a quarter of the beans, then top with a quarter of the beef mixture, cheddar cheese, lettuce, diced tomato, and a spoonful of salsa. Add a dollop of sour cream.
08 - Fold in the sides and roll up each tortilla tightly. Serve immediately with extra salsa and sour cream as desired.