01 - Heat olive oil in a large skillet over medium-high heat. Add the finely diced red onion and sauté for about 2 minutes until softened and translucent.
02 - Add the ground beef to the skillet and cook, breaking it apart with a spoon or spatula, for 5 to 7 minutes until fully browned. Drain off any excess fat if necessary.
03 - Stir in the chili powder, ground cumin, smoked paprika, garlic powder, onion powder, salt, and black pepper. Mix thoroughly and cook for an additional 2 minutes to bloom the spices. Remove from heat and set aside.
04 - Heat the large flour tortillas in a microwave for about 15 seconds or in a dry skillet until soft and pliable, making them easier to fold without cracking.
05 - Working one at a time, spread 2 tablespoons of nacho cheese sauce in the center of a large tortilla. Layer on the seasoned beef, followed by shredded cheddar cheese. Place a tostada shell (or a few tortilla chips) on top for crunch, then add salsa, shredded lettuce, diced tomato, sliced jalapeño if using, and a dollop of sour cream.
06 - If using the small taco-size tortillas, place one on top of the filling to help contain it. Fold the edges of the large tortilla up and over the center, working your way around to form a hexagonal shape. Press firmly to seal the wrap closed.
07 - Heat a clean skillet over medium heat. Place the assembled wrap seam-side down and toast for 2 to 3 minutes until the bottom is golden and crispy. Carefully flip and toast the other side for an additional 2 minutes.
08 - Remove from the skillet, slice each wrap in half, and serve immediately while hot and crispy.