Preheat oven to 350°F and spray a 9×9-inch baking dish with nonstick spray.

In a skillet over medium heat, cook ground beef until browned. Drain excess grease.

Add taco seasoning and water to beef. Cook for 2 minutes.

In a mixing bowl, combine Ro*Tel tomatoes, cheese soup, and sour cream. Stir in the beef mixture.

Layer 3 tortillas on the bottom of the dish. Spread ⅓ of meat mixture over them. Repeat layers twice more, ending with tortillas.

Top with shredded cheddar.

Bake for 20 minutes or until hot and bubbly.

Let rest for 5 minutes, then serve with desired toppings.