Preheat the oven. Set your oven to 375°F (190°C).
Grease a 9x13-inch baking dish with a little oil or nonstick spray.
Brown the meat. Heat 1 tablespoon oil in a large skillet over medium-high heat. Add the ground beef, breaking it up with a spoon. Cook until browned and no pink remains, about 5–7 minutes.
Drain excess fat if needed.
Add aromatics and peppers. Push the meat to one side and add the remaining 1 tablespoon oil. Toss in the onion and bell pepper. Sauté 3–4 minutes until softened.
Stir in garlic for 30 seconds until fragrant.
Season it up. Sprinkle in the taco seasoning. Stir to coat the meat and veggies. Add a splash of water if the pan looks dry so the seasoning distributes evenly.
Mix in salsa and sauce. Add the salsa and tomato sauce.
Stir and let it simmer 2–3 minutes to thicken slightly. Season with salt and pepper to taste.
Cook the cauliflower rice. If using fresh, add it straight to the skillet and cook 5–7 minutes, stirring, until just tender and most moisture cooks off. If using frozen, thaw first (microwave or stovetop), then squeeze out excess water with a clean towel and warm in the skillet for 2–3 minutes.
Stir in corn and beans (optional). Fold in the corn and black beans until evenly distributed.
Taste and adjust seasoning—this is your last chance before baking.
Add creamy element. Remove the skillet from heat and stir in the sour cream until smooth. This helps everything hold together and gives a rich, tangy finish.
Layer with cheese. Spread the mixture into your prepared baking dish. Top with 1 1/2 cups shredded cheese, reserving the remaining 1/2 cup for later.
Bake until bubbly. Bake uncovered for 18–22 minutes, until the edges are bubbling and the top is melted.
Sprinkle the remaining cheese on top and bake 3–5 more minutes to melt.
Rest and garnish. Let it rest 5–10 minutes so it sets up a bit. Finish with green onions, cilantro, avocado slices, jalapeño, and a squeeze of lime if you like.
Serve. Scoop into bowls or onto plates. It’s great as is or with a side salad for crunch.