Preheat oven to 375°F.

Lay 2 flour tortillas into the bottom of a 9x13 baking dish. Trim edges as needed and use as pattern for remaining tortillas.

Spray baking dish with nonstick spray and set aside.

Cook ground beef, onion, and garlic in a saucepan over medium-high heat until beef is cooked through, then reduce heat to medium-low.

Whisk together taco seasoning and water, pour over beef mixture, cook for 2-3 minutes until thickened, then remove from heat.

Arrange half of the tortillas in the prepared dish.

Spread half of the meat mixture over tortillas.

Spread half of salsa, beans, and cheese over the meat layer.

Repeat layers with remaining tortillas, meat, salsa, beans, and cheese.

Bake for 20-25 minutes, then garnish with chopped cilantro, and top with sour cream and pico de gallo if desired.