Stir sour cream, chipotle sauce, and lime juice until smooth; chill.
Warm the cooked rice and fluff with a fork; cover to keep warm.
Heat oil in a large skillet over medium heat.
Sauté onion until translucent, then add garlic and cook 30 seconds.
Brown the ground beef, breaking it up; drain excess fat if needed.
Sprinkle in taco seasoning and water; simmer until slightly saucy.
Season with salt and pepper; keep warm on low.
Warm tortillas until pliable in a dry pan or microwave.
Spread a spoonful of warm nacho cheese down each tortilla center.
Layer rice, beef, a handful of shredded cheese, chips, jalapeños, and cilantro.
Drizzle with chipotle crema; fold sides and roll each burrito tightly.
Melt a little butter in a skillet over medium-low heat.
Scatter a thin layer of shredded cheese to form a bed in the pan.
Set a burrito seam-side up on the cheese; cook until golden and crisp.
Lift burrito, add more cheese, and sear the second side until crusted.
Repeat with remaining burritos; slice and serve with extra crema.
Notes
Swap the beef for sautéed mushrooms and black beans for a hearty vegetarian version. For a spicier kick, add a drizzle of hot sauce before rolling. Leftovers reheat well in a skillet over low heat to re-crisp the cheese crust.This recipe is an original creation inspired by classic Grilled Cheese Burrito Delight flavors. All ingredient ratios and instructions are independently developed.