Preheat oven to 350°.
Heat a skillet over medium high heat and add a pound of lean ground beef, 1/2 C chopped onions, 1 clove minced garlic. Cook until beef is no longer pink and onions are cooked through. Add 1 can Rotel, drained and 1 can pinto or black beans, drained. Cook for 5 minutes. Remove from heat.
Lightly grease a spring form or casserole dish. Place a flour tortilla in the bottom. Spread 1/3 of meat mixture onto tortilla then 1/2 C shredded cheddar cheese on top. Then another tortilla and repeat ending at the top with 1 C cheese.
Cook for 20 minutes. Remove from oven, cut and serve with salsa, sour cream, lettuce, tomatoes, guacamole, jalepenos, etc.