01 - Preheat your oven to 400°F.
02 - Heat olive oil in a skillet over medium heat. Add ground beef and cook for 5–7 minutes, breaking up the meat until browned.
03 - Stir in cumin, chili powder, paprika, garlic powder, onion powder, salt, and pepper. Cook for 1–2 minutes until fragrant, then remove from heat.
04 - Spread tortilla chips evenly across a large oven-safe platter or baking sheet.
05 - Top chips with the seasoned beef mixture, then sprinkle both cheeses evenly over the top.
06 - Bake for 7–10 minutes until the cheese is fully melted and bubbly.
07 - Remove from oven and immediately scatter tomato, red onion, jalapeño (if using), black olives, cilantro, and avocado over the hot nachos.
08 - Top with dollops of sour cream and serve immediately.