- Preheat oven to 375°F and grease a 9x13-inch dish with cooking spray. 
- In a skillet, brown the ground beef over medium-high heat for 6–8 minutes. 
- Add diced onion and garlic; cook 3 minutes until softened. 
- Stir in taco seasoning and water; simmer until thickened. 
- In a bowl, combine bell pepper, corn, beans, and chilies. 
- Layer half the tortillas, beef, vegetables, sauce, and cheese. 
- Repeat layers and top with sour cream mixed with salsa. 
- Cover with foil and bake for 25 minutes. 
- Remove foil, top with remaining cheese, and bake 15 minutes uncovered. 
- Let rest 10 minutes before serving; garnish as desired.