Preheat oven to 375°F.
Heat olive oil in a large skillet over medium heat.
Add diced onion and sauté for 4–5 minutes until softened.
Stir in garlic and cook for 30 seconds until fragrant.
Add ground beef and cook until browned, breaking it apart as it cooks.
Drain excess grease if needed.
Stir in the homemade taco seasoning, sea salt, and black pepper.
Add Rotel tomatoes, tomato sauce, black beans, corn, and cooked rice.
Simmer mixture for 8–10 minutes so flavors combine and excess liquid cooks down slightly.
Lightly grease a 9x13 casserole dish.
Layer tortillas across the bottom of the baking dish. Spread a layer of the beef and rice mixture over tortillas.
Sprinkle a generous amount of cheddar and Monterey Jack cheese over the top.
Repeat layers until ingredients are used, ending with cheese on top.
Cover loosely with foil and bake for 20 minutes.
Remove foil and bake another 10–15 minutes until cheese is melted and bubbling.
Broil for 1–2 minutes for a golden cheesy top if desired.
Let casserole rest for 10 minutes before slicing. Garnish with cilantro and your favorite toppings before serving.