01 -
Preheat oven to 375 degrees. Spray a 13 by 9-inch baking dish with non-stick cooking spray.
02 -
Heat oil in a 12-inch non-stick skillet over medium-high heat. Add onion and bell pepper, saute 4 minutes. Scoot to the far side.
03 -
Crumble in beef, season with salt and pepper. Let brown on bottom, then break up beef and continue to cook until browned. Drain fat.
04 -
Add garlic, chili powder and cumin and cook 1 minute longer.
05 -
Stir in black beans, tomatoes, corn, water, lime juice, and cilantro and remove from heat.
06 -
Layer 10 tortilla halves along bottom of baking dish, work to cover whole bottom surface as best possible.
07 -
Spoon and spread 1/3 of the beef mixture over tortilla layer. Toss cheeses together and spread 1/3 of the cheese mixture over beef layer.
08 -
Repeat this layering process with tortillas, beef filling and cheese two more times.
09 -
Bake in preheated oven 20 minutes.