Heat a large skillet over medium heat and add the ground beef. Cook and crumble until browned, then drain any excess grease.
Season with salt and black pepper. Add chili powder, cumin, garlic powder, and water. Stir until the spices coat the beef evenly.
Add black beans, corn, chopped bell pepper, and green onion. Cook for 2–3 minutes until the vegetables are slightly tender.
Warm the cooked rice if needed.
Lay a tortilla flat and sprinkle a layer of shredded cheese across the center.
Add a scoop of rice in a line along one end of the tortilla.
Top with small dollops of sour cream and a spoonful of the beef mixture.
Fold the sides inward and roll the tortilla tightly like a burrito to form the Crispy Southwest Wrap.
Heat a large skillet over medium-high heat and add a little oil or cooking spray.
Place the wraps seam-side down in the skillet.
Lightly brush or spray the tops with oil. Turn the wraps every 1–2 minutes until golden and crispy on all sides.
Serve warm with salsa or a creamy cilantro dipping sauce.