01 - Preheat oven to 375°F. Lightly grease a standard 12-cup muffin tin with cooking spray or oil.
02 - Stack flour tortillas and warm in the microwave for 15–20 seconds to soften. Using a 4-inch round cutter, cut out circles and gently press each into a muffin cup, forming a shell.
03 - In a skillet over medium heat, cook ground beef and onion until browned, about 5–6 minutes. Drain excess fat if needed.
04 - Add garlic, taco seasoning, and water. Stir well and simmer for 2–3 minutes until sauce thickens. Remove from heat.
05 - Spoon an even amount of beef mixture into each tortilla cup. Top each with shredded cheddar cheese.
06 - Bake for 10–12 minutes until cheese is melted and edges of tortillas are golden.
07 - Let cool slightly, then top with sour cream, tomatoes, green onions, olives, cilantro, and jalapeños as desired. Serve warm.