Preheat the oven to 425°F. Lightly spray a large sheet pan with cooking spray.
In a large skillet over medium heat, cook the ground beef until browned. Drain any excess grease.
Add taco seasoning and water to the beef, stirring until well combined. Simmer for a few minutes.
Stir in the Rotel and black beans. Remove from heat.
Place 6 tortillas overlapping each other on the prepared sheet pan, allowing half of each tortilla to hang over the edge.
Spread the beef mixture evenly over the tortillas. Sprinkle with both cheeses.
Fold the overhanging tortillas back over the filling. Place 2 additional tortillas on top to cover the center.
Spray the top with cooking spray and place another sheet pan on top to help them stay flat.
Bake for 20 minutes. Remove the top sheet pan and bake for an additional 5 minutes until golden and crispy.
Slice and serve with your favorite toppings!