Heat a skillet over medium heat and cook the ground beef until browned. Drain excess grease.
Stir in taco seasoning and water, then simmer for 1–2 minutes until saucy.
Warm the cooked rice if needed so it’s easier to fold into the burrito.
Lay a tortilla flat and layer rice, taco meat, nacho cheese sauce, sour cream, and shredded cheese.
Fold in the sides and roll tightly into a burrito.
Heat a nonstick skillet over medium-low heat and sprinkle shredded cheese into the pan in a rectangle shape.
Place the burrito seam-side down on top of the melting cheese and cook until the cheese is golden and crispy.
Flip the burrito and toast the other side for 1–2 minutes. Serve warm.