01 - Preheat your oven to 400°F.
02 - In a large skillet over medium heat, add olive oil. Sauté onions until translucent, about 2 minutes. Add garlic and cook for 30 seconds.
03 - Add ground beef, breaking it up with a spoon, and cook until browned, about 5–7 minutes. Drain excess fat if needed.
04 - Stir in chili powder, cumin, smoked paprika, salt, black pepper, and tomato sauce. Simmer for 2–3 minutes until well combined. Remove from heat.
05 - On a large ovenproof platter or baking sheet, spread half the tortilla chips. Sprinkle with half the beef mixture and half of both cheeses. Layer remaining chips, beef, and cheeses.
06 - Bake in the preheated oven for 7–10 minutes, until cheese is fully melted and bubbly.
07 - Remove from oven, and top evenly with cherry tomatoes, jalapeños, black olives, red onion, cilantro, and avocado.
08 - Serve immediately with sour cream and salsa on the side.