Cook the ground beef in a skillet over medium heat until browned. Drain any extra fat to keep the filling from becoming greasy. Add the onion and garlic, cooking until the onion softens and becomes fragrant.
Add the taco seasoning and water, stirring well to coat the beef. Let it simmer for about five minutes until the mixture thickens and everything is evenly combined. This step helps the flavors settle beautifully.
Lay out your tortillas and divide the cooked rice and beef mixture among them. Top with cheddar and mozzarella. Freshly grated cheese melts better and gives a smoother, richer texture.
Roll each tortilla tightly and place it seam-side down in your baking dish. Pour salsa over the top and sprinkle extra cheese if desired. Bake for 20 minutes, or until the cheese melts and the burritos look irresistibly golden.
Once out of the oven, top with fresh cilantro if you like. Serve warm with a generous spoonful of sour cream. The combination of warm burrito and cool cream is absolute perfection.