In a large skillet over medium heat, add the ground beef and cook until browned and no longer pink, about 6–8 minutes. If using lean beef, add olive oil at the start to prevent sticking. Drain excess fat, if necessary.
Add diced onion and cook for 3–4 minutes until softened. Stir in garlic, chili powder, cumin, paprika, oregano, salt, and pepper. Cook for another 1–2 minutes to let the spices bloom and coat the meat evenly.
Stir in the rinsed beans and a splash of water or salsa (about ¼ cup). Simmer for 5–7 minutes, allowing the mixture to thicken slightly and flavors to meld. Remove from heat and let it cool slightly before assembling.
While the beef mixture cools, warm tortillas in a dry skillet or microwave to make them pliable. This prevents tearing during assembly and gives a nice texture when you bite in.
Lay each tortilla flat and layer with rice, beef and bean mixture, shredded cheese, salsa, and sour cream. Don’t overfill—aim for about ¾ cup filling per tortilla. Add any optional toppings you like.
Fold in the sides of the tortilla, then roll tightly from the bottom up. Serve warm as-is, or sear the burritos in a hot skillet for 1–2 minutes per side to get a crispy golden exterior. Alternatively, wrap each burrito in foil and freeze for future meals.