Cook the Beef: Brown the beef in a skillet and drain the fat. Stir in taco seasoning and water, then simmer for 5 minutes until thickened.
Prep Tortillas: Cut one tortilla into four quarters. Warm the remaining whole tortillas in the microwave for 15 seconds to make them flexible.
Layer the Fillings: On a flat tortilla, stack nacho cheese, beef, a tostada shell, sour cream, lettuce, tomato, and shredded cheese.
Fold and Seal: Place a tortilla quarter on top. Fold the edges of the large tortilla toward the center in pleats until completely sealed.
Sear: Heat oil in a skillet. Place the wrap seam-side down and cook for 3–5 minutes per side until golden and crispy.
