01 - Preheat oven to 400°F.
02 - In a large skillet over medium-high heat, cook ground beef until beginning to brown, about 4 minutes. Add chopped onion and minced garlic; sauté until softened, 2 to 3 minutes.
03 - Stir in chili powder, cumin, smoked paprika, salt, and black pepper; cook for 1 minute. Add tomato sauce and simmer until slightly thickened, 2 to 3 minutes. Remove from heat.
04 - On a large baking sheet or ovenproof platter, spread half the tortilla chips evenly. Top with half the beef mixture and half the combined cheeses. Repeat layering with remaining chips, beef, and cheeses.
05 - Bake in preheated oven for 8 to 10 minutes, until cheese is melted and bubbly.
06 - Remove from oven and top with diced tomato, chopped red onion, sliced jalapeño if using, diced avocado, and chopped cilantro.
07 - Drizzle sour cream over the platter or serve on the side. Garnish with lime wedges and serve immediately.