01 - Heat olive oil in a large skillet over medium-high heat. Add the diced red onion and sauté for 2 minutes until softened and translucent.
02 - Add the ground beef to the skillet and cook for 5–7 minutes, breaking it apart with a spoon or spatula until fully browned. Drain any excess fat if necessary.
03 - Sprinkle in the chili powder, ground cumin, smoked paprika, garlic powder, onion powder, salt, and black pepper. Stir thoroughly to coat the beef evenly and cook for 2 additional minutes. Remove from heat.
04 - Soften the large flour tortillas by warming them in a microwave for 15–20 seconds or briefly heating them in a dry skillet until pliable.
05 - Working on the center of a large tortilla, spread 2 tablespoons of nacho cheese sauce. Layer with the seasoned beef, shredded cheddar cheese, a tostada shell (or a few tortilla chips), salsa, shredded lettuce, diced tomato, sliced jalapeño if using, and a dollop of sour cream.
06 - If using the smaller tortillas, place one on top of the filling to help seal. Fold the edges of the large tortilla up and over the center, working your way around to form a hexagonal shape. Press firmly to seal the wrap closed.
07 - Heat a clean skillet over medium heat. Place the assembled wrap seam-side down and toast for 2–3 minutes until golden brown and crispy. Flip carefully and toast the opposite side for an additional 2 minutes.
08 - Transfer the toasted wrap to a cutting board, slice in half, and serve immediately while hot.