01 - Heat olive oil in a large skillet over medium heat; cook onions until softened, approximately 2 minutes. Add garlic and sauté for 30 seconds.
02 - Add ground beef to skillet and cook, breaking apart until browned and fully cooked, about 5 to 6 minutes. Drain excess fat if necessary.
03 - Incorporate chili powder, cumin, smoked paprika, oregano, salt, and black pepper; mix thoroughly. Pour in beef broth or water and simmer for 2 to 3 minutes until thickened. Remove from heat.
04 - Heat tortillas in a dry skillet or microwave until pliable and easy to fold.
05 - Lay one tortilla flat; spread one quarter of rice in the center, then layer beef mixture, black beans, cheese, tomato, and lettuce. Top with sour cream.
06 - Fold the sides over the filling and roll tightly to form burrito shape.
07 - For a crisp exterior, place burrito seam-side down in a heated skillet and toast 1 to 2 minutes per side until golden brown.
08 - Serve immediately with optional extra sour cream or salsa.