Simmer pinto beans with onions and garlic
Refry the beans with onion, poblano, garlic, dried oregano, cumin, reserved bean cooking liquid, and chipotle in adobo
Mix sour cream, chipotles in adobo, lime juice, salt and pepper to make chipotle sour cream
Pack burritos with Monterey Jack, pepper jack, sharp cheddar, and cotija cheese
Serve burritos with chipotle sour cream
