01 - Preheat oven to 400°F. Line a large baking tray with parchment paper.
02 - Spread tortilla chips evenly across the prepared baking tray in a single layer.
03 - Spoon baked beans evenly over the tortilla chips, distributing them as uniformly as possible.
04 - Sprinkle shredded cheddar and Monterey Jack cheeses generously over the beans and chips, ensuring even coverage.
05 - Bake for 12–15 minutes until the cheese is fully melted, bubbling, and beginning to turn golden brown.
06 - Remove from oven and immediately top with diced tomato, red onion, jalapeño slices, cilantro, and avocado while still hot.
07 - Drizzle with sour cream and serve immediately with lime wedges and hot sauce on the side.