Add the ground beef to a large skillet over medium heat. Cook and crumble until browned. Drain grease.

Season with a little salt and pepper and add chili powder, cumin, garlic powder and water. Stir to combine.

Add black beans, corn, bell pepper, and onions and toss to combine. Saute for a 2-3 minutes.

Warm the rice. Layer tortilla with a handful of cheese evenly spread across the tortilla.

Add a small scoop of rice, placing it in a line along one end of the tortilla.

On top of the rice add a few small dollops of sour cream, and a spoonful of the beef filling. Starting at that end, roll the tortilla up, folding in the sides like a burrito.

Heat a large skillet over medium high heat. Add a tablespoon of oil to a skillet or spray the skillet generously with cooking spray. Place the wraps seam side down in the greased skillet.

Gently brush the tops of the wraps lightly with oil, or spray them with cooking spray. Turn the wraps every minute or two until they are golden and crispy on all sides.

Serve warm, with salsa and/or a creamy cilantro dipping sauce.