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