01 - Preheat oven to 400°F and line a large baking tray with parchment paper.
02 - Spread tortilla chips evenly across the prepared baking tray.
03 - Spoon baked beans evenly over the tortilla chips.
04 - Sprinkle shredded cheddar and Monterey Jack cheeses generously over the beans and chips.
05 - Bake for 12-15 minutes until cheese is melted, bubbling, and golden brown.
06 - Remove from oven and immediately top with diced tomato, red onion, jalapeño slices, cilantro, and avocado.
07 - Drizzle with sour cream and serve immediately with lime wedges and hot sauce on the side.