2. Bake the tortillas for 3-5 minutes, flip, and bake for another 2-5 minutes until golden and crispy. Set aside.
3. In a skillet, cook and crumble the ground beef over medium-high heat. Drain the grease.
4. Add taco seasoning and water to the beef, bring to a boil, then reduce heat to medium-low. Simmer for 10 minutes and set aside.
5. In a microwave-safe bowl, warm the refried beans. Spread a thin layer on one tortilla.
6. Top with 1/3 of the meat mixture, then place another tortilla on top.
7. Spread 3 tablespoons of enchilada sauce on the top tortilla. Sprinkle with cheddar and pepper-jack cheese. Add diced tomato, green onion, and sliced black olives.
8. Repeat with the remaining tortillas to create three pizzas.
