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In a skillet over medium heat, cook ground beef until browned, breaking it up as it cooks.
Drain excess grease, then stir in chili powder, cumin, garlic powder, onion powder, salt, black pepper, and water.
Simmer for 5 minutes, stirring occasionally, until the beef is well coated in seasoning.
Heat flour tortillas in a dry pan for 30 seconds per side, or microwave for 15 seconds to make them more flexible.
Spread nacho cheese sauce in the center of each tortilla.
Add a scoop of seasoned beef, then top with shredded cheddar cheese, crushed tortilla chips, diced tomatoes, and lettuce (if using).
Drizzle with sour cream, if desired.
Fold in the sides, then roll tightly into a burrito-style wrap.
For extra crispiness, heat the wrapped tortilla in a dry skillet over medium heat for 1-2 minutes per side.
Serve warm with extra nacho cheese sauce, salsa, or guacamole on the side!