Preheat the oven to 375°F.

Lay 2 tortillas into the bottom of a 9x13 baking dish. Trim edges as needed.

Spray a 9x13 baking dish with nonstick spray. Set aside.

Cook ground beef, onion, and garlic in a skillet over medium-high heat until beef is browned and cooked through, about 8 minutes. Drain excess fat.

Whisk together taco seasoning and water in a small bowl. Add to beef mixture and simmer for 2-3 minutes until thickened.

Spread ½ of beef mixture over the tortillas.

Spread ½ of salsa over beef.

Sprinkle ½ of black beans and ½ of shredded cheese over the salsa.

Repeat layers with remaining tortillas, beef, salsa, beans, and cheese.

Bake for 20-25 minutes. Garnish with cilantro, and serve with sour cream and pico de gallo if desired.