01 - Preheat the oven to 400°F for optimal cheese melting.
02 - Heat olive oil in a skillet over medium heat. Sauté onion, garlic, and jalapeño for 2-3 minutes until softened and fragrant.
03 - Add ground beef to the skillet and cook until browned, breaking up with a spoon. Drain excess fat if necessary.
04 - Stir in chili powder, cumin, smoked paprika, cayenne, salt, black pepper, and tomato sauce. Simmer for 2-3 minutes until flavors meld together. Remove from heat.
05 - Arrange tortilla chips evenly across a large baking sheet or oven-safe platter, creating a solid foundation.
06 - Spoon the seasoned beef evenly over the chips. Scatter black beans across the surface.
07 - Sprinkle shredded cheddar and Monterey Jack cheese generously over the beef and beans.
08 - Bake in the preheated oven for 8-10 minutes until cheese is fully melted, bubbly, and beginning to brown at the edges.
09 - While nachos bake, mash avocados in a bowl. Gently fold in tomato, red onion, cilantro, lime juice, salt, and pepper until combined but still chunky.
10 - Remove nachos from oven. Top immediately with diced tomatoes, black olives, and green onions.
11 - Serve hot with fresh guacamole and optional toppings such as sour cream, extra cilantro, pickled jalapeños, or hot sauce.