To a skillet, add the ground beef cook it through, drain the grease. Add the water and taco seasoning let simmer for 5 minutes. Set aside.
Spray a large sheet pan and the tortillas with olive oil spray and place in the oven for 10 minutes to crisp the tortillas.
Once out of the oven spread the tortillas with the refried beans then add a scoop of the ground beef mixture on each tortillas, sprinkle with plenty of cheese and bake for 10-15 minutes or until the cheese is melted. Top with the diced tomatoes and enjoy.