First, in a large skillet over medium-high heat, brown the ground beef. Break up clumps so the meat is fine and even. Once browned, drain off excess grease so the casserole isn’t soggy. Add chopped onion and cook until it becomes translucent and soft—about 5–7 minutes.
Then stir in the taco seasoning and tomato sauce. Lower the heat and simmer gently for 5–10 minutes to let flavors meld. Finally, fold in the rinsed black beans, drained corn, and green chilies; simmer another 2–3 minutes so everything’s heated through.
In a bowl, combine softened cream cheese and sour cream. Use a hand mixer or whisk to blend until smooth and lump-free. This creamy layer gives richness and helps bind the casserole layers.
Preheat your oven to 350 °F (175 °C). Lightly grease a 9×13-inch baking dish. Lay down a first layer of tortillas (you may need to overlap or trim). Spread half of the meat mixture over the tortillas, then spread half the cream cheese mixture over that. Sprinkle one cup of cheddar over it. Repeat: another tortilla layer, then the remaining meat, then the remaining creamy mixture, and top with remaining cheddar.
Cover the dish with foil and bake for 20 minutes. Remove the foil and bake for another 10–15 minutes until the cheese is melted, bubbly, and lightly golden. Let it rest about 10 minutes before cutting and serving—to help it set and hold nicer squares.