01 - Preheat the oven to 400°F.
02 - Heat olive oil in a skillet over medium heat. Add onion and cook until softened, about 2 minutes. Add garlic and cook for 30 seconds.
03 - Add ground beef and cook until browned, breaking it up with a spoon, about 5 minutes. Drain excess fat.
04 - Stir in taco seasoning and water. Simmer for 3 to 4 minutes until sauce thickens. Remove from heat.
05 - Spread tortilla chips evenly on a large, oven-safe platter or baking sheet.
06 - Sprinkle half the cheese over the chips. Evenly distribute the seasoned beef over the cheese, then top with the remaining cheese.
07 - Bake in the preheated oven until the cheese is melted and bubbly, about 8 to 10 minutes.
08 - Remove from oven. Top with tomatoes, red onion, jalapeños, olives, avocado, and cilantro.
09 - Drizzle with sour cream and salsa, or serve them on the side. Add pickled jalapeños and lime wedges if desired. Serve immediately while hot.