Heat a large skillet over medium heat. Add ground beef, diced onion, and minced garlic. Cook until beef is browned and onions are translucent, about 7-10 minutes.

Drain any excess fat, then sprinkle in taco seasoning and a splash of water. Stir to combine and let simmer for an additional 3-5 minutes.

Preheat the oven to 375°F (190°C) and grease a 9x13-inch baking dish.

Spread a layer of refried beans across the bottom of the dish, followed by a layer of flour tortillas, half of the beef mixture, a generous amount of both cheeses, and some salsa. Repeat these layers.

Cover tightly with aluminum foil and bake for 20 minutes. Remove foil and bake for an additional 10 minutes, or until cheese is melted and bubbly.

Let it rest for about 10 minutes, then serve hot topped with cilantro, avocado, green onions, and sour cream.