Preheat oven to 400F. In a pan, over med/high heat, heat 1 tbsp. olive oil and sauté diced white onion for 2-3 minutes
Add minced garlic. Sauté for about 30 seconds and then add ground beef, mixing the onion/garlic mixture in with the beef as it begins to cook add spices and mix to toast them. Then add 1/3 cup of water. Let simmer 3-5 minutes (if you’re using anything under 90% lean, you may want to drain the extra fat before adding your spices).
Slice your bell peppers (leaving them wide enough to scoop up toppings) and place them on an ungreased baking sheet or parchment paper. When beef finishes cooking, add to bell peppers. Add cheese. Place in oven for 5 minutes (until cheese has melted all the way)
Take out and add sour cream, sliced jalapeño, avocado, tomatoes, diced red onion, and cilantro
You can add, or omit anything you want to!