01 - Heat olive oil in a large skillet over medium-high heat. Add onion and sauté until translucent, about 2 minutes.
02 - Add garlic and cook for 30 seconds, then add ground beef. Cook until browned, breaking it up as it cooks, about 5 to 6 minutes.
03 - Stir in taco seasoning, tomato paste, and water. Simmer for 2 to 3 minutes until thickened. Season with salt and pepper to taste. Remove from heat.
04 - Warm the flour tortillas in a microwave or skillet until pliable for folding.
05 - Lay out each tortilla flat. Spread 2 tablespoons of nacho cheese sauce in the center. Top with a quarter of the beef mixture, then sprinkle both cheddar and Monterey Jack cheeses over the beef.
06 - Place a tostada shell over the cheese. Spread 1 tablespoon of sour cream over the shell, then top with shredded lettuce and diced tomatoes.
07 - Carefully fold the edges of the tortilla up and over the center, pleating as you go, until the filling is fully enclosed.
08 - Heat a large skillet over medium heat. Place each crunch wrap seam side down and cook for 2 to 3 minutes per side until golden and crisp.
09 - Slice in half and serve hot with your favorite dipping sauces.