Step 1: Cook the Rice

• Rinse the rice under cold water until the water runs clear to remove excess starch.
• In a medium saucepan, bring 1 1/2 cups of water or chicken broth to a boil. Stir in the rice, reduce the heat to low, cover, and let simmer for 15 minutes or until the rice is tender and the liquid is absorbed. Fluff the rice with a fork and set aside.

Step 2: Brown the Ground Beef

• Heat 2 tablespoons of olive oil in a large skillet over medium heat. Add the diced onion and bell pepper, sautéing for 3-4 minutes until softened.
• Add the ground beef to the skillet, breaking it apart with a wooden spoon. Cook until the beef is browned and no longer pink, about 6-8 minutes. Drain any excess fat.

Step 3: Season the Beef

• Stir in the taco seasoning, cumin, chili powder, garlic powder, and onion powder. Cook for 2 minutes, allowing the spices to coat the meat and deepen in flavor.
• Add the diced tomatoes with green chilies (or regular diced tomatoes), stirring well. Simmer the mixture for 3-4 minutes to combine the flavors. Season with salt and black pepper to taste.

Step 4: Add the Black Beans and Rice

• Stir the drained and rinsed black beans into the beef mixture. If using sour cream for extra creaminess, stir it in at this point.
• Add the cooked rice into the skillet, mixing everything together until the rice is fully incorporated with the seasoned beef, beans, and tomatoes.

Step 5: Assemble the Bake

• Preheat your oven to 350°F (175°C).
• Grease a 9×13 inch (23×33 cm) baking dish with cooking spray or a little olive oil.
• Transfer the beef and rice mixture into the baking dish, spreading it out evenly.
• Top the mixture with a generous layer of shredded cheddar cheese (or a Mexican cheese blend).

Step 6: Bake and Serve

• Bake in the preheated oven for 15-20 minutes, or until the cheese is melted and bubbly.
• If you prefer a crispy cheese top, broil the casserole for an additional 1-2 minutes, watching carefully to prevent burning.
• Remove from the oven and let it cool for a few minutes before serving.
• Garnish with fresh cilantro or green onions if desired. Serve with tortilla chips on the side for added crunch.