01 - Preheat 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 1–2 minutes until fragrant. Remove from heat.
04 - Spread tortilla chips evenly across a large oven-safe platter or baking sheet.
05 - Top chips with seasoned ground beef, then sprinkle cheddar and Monterey Jack cheeses evenly over the surface.
06 - Bake for 7–10 minutes until cheese is melted and bubbly.
07 - Remove from oven. Scatter tomato, red onion, jalapeño, black olives, cilantro, and avocado over hot nachos.
08 - Top with dollops of sour cream. Serve immediately while hot and crispy.