Preheat oven to 350°F.
Brown ground beef in skillet.
Add in taco seasoning.
Drain if needed.
Spray baking sheet with non-stick cooking spray.
Lay on tortilla on sheet.
Spread with beans, then meat. Cover with second tortilla. Bake for 10 minutes.
Remove from oven.
Spread top tortilla with salsa, then top with cheese and desired toppings.
Bake an additional 5-10 minutes or until cheese is melted completely.
Coll slightly before cutting.