01 - Set oven temperature to 400°F.
02 - In a large skillet over medium-high heat, brown ground beef for about 4 minutes. Add onion and garlic, sauté until softened, approximately 2 to 3 minutes.
03 - Mix in chili powder, cumin, smoked paprika, salt, and black pepper. Cook for 1 minute. Incorporate tomato sauce and simmer until slightly thickened, about 2 to 3 minutes. Remove from heat.
04 - Spread half of the tortilla chips evenly on a large baking sheet or ovenproof platter. Layer with half of the beef mixture, then half of the combined cheeses. Repeat layers with remaining chips, beef, and cheese.
05 - Bake assembled layers for 8 to 10 minutes until cheese is fully melted and bubbly.
06 - Remove from oven and top with diced tomato, red onion, jalapeño slices, avocado, and chopped cilantro.
07 - Drizzle sour cream over the top or serve on the side. Garnish with lime wedges and serve immediately.