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 ground beef to the skillet and cook, breaking it apart with a spoon, for 5 to 7 minutes until fully browned. Drain any excess fat if necessary.
03 - Sprinkle in 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 - Warm the large flour tortillas in a microwave for 15 to 20 seconds or on a dry skillet until soft and pliable.
05 - Working one at a time, spread 2 tablespoons of nacho cheese sauce in the center of each large tortilla. Layer on 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 small tortillas, place one on top of the filling to help seal. Fold the edges of the large tortilla up and over the center, pleating around the perimeter to form a hexagonal shape, pressing firmly to seal.
07 - Heat a clean skillet over medium heat. Place each wrap seam-side down and toast for 2 to 3 minutes until the bottom is golden and crisp. Flip carefully and toast the other side for an additional 2 minutes.
08 - Slice each wrap in half and serve immediately while hot and crispy.