Preheat oven to 350°F and grease a 9x13 inch baking dish.
Brown ground beef in skillet for 6–8 minutes until no pink remains. Drain grease.
Stir in taco seasoning and water; cook 2 minutes. Add soup, Rotel, and sour cream. Mix well.
Crush two-thirds of Doritos and spread on the bottom of baking dish.
Pour meat mixture evenly over Doritos, then sprinkle 1 cup of cheese.
Add remaining Doritos and top with last cup of cheese.
Bake for 20–25 minutes until bubbly and golden brown.
Rest 5 minutes before serving to set layers.