01 - In a saucepan, bring 1¼ cups water and ½ teaspoon salt to a boil. Add ¾ cup long grain rice, reduce heat to low, cover, and simmer for 15 minutes until water is absorbed and rice is tender. Remove from heat and let stand covered for 5 minutes. Fluff with a fork.
02 - Heat 1 tablespoon olive oil in a large skillet over medium heat. Add the chopped onion and cook for 2-3 minutes until softened. Add minced garlic and cook for 30 seconds. Add 1 pound ground beef, breaking it up with a spoon, and cook until browned. Drain excess fat if necessary.
03 - Stir in 1 teaspoon ground cumin, 1 teaspoon chili powder, ½ teaspoon smoked paprika, ½ teaspoon dried oregano, ½ teaspoon salt, and ¼ teaspoon black pepper. Cook for 1 minute. Add 2 tablespoons tomato paste and ⅓ cup beef broth, then simmer for 5 minutes until slightly thickened.
04 - In a small saucepan, combine drained black beans with ½ teaspoon ground cumin, ½ teaspoon chili powder, and a pinch of salt. Heat gently for 3-4 minutes, mashing some beans with the back of a spoon to achieve a creamy consistency.
05 - Warm the flour tortillas in a dry skillet over medium heat or microwave for a few seconds until pliable and warm.
06 - Place each warm tortilla on a work surface. Divide the rice, beans, seasoned beef mixture, and shredded cheddar cheese equally among the four tortillas, placing components in the center of each. Add optional lettuce, tomato, and sour cream if desired.
07 - Fold in the sides of each tortilla and roll up tightly, tucking the filling in as you roll. Serve immediately with salsa on the side.