In a skillet, over medium-high heat, warm up the onions and add the ground beef.
Using a heat proof spoon, crumble the meat into small pieces. Cook and stir until the meat is all the way browned, no pink left.
If needed, drain the meat and return to the skillet.
Add the taco seasoning, water, and enchilada sauce into the skillet with the meat. Mix this well to fully coat.
Bring to a boil and then reduce the heat and let simmer for 3-4 minutes, stirring occasionally. Set aside.
Place 2 of the tortillas together in the air fryer and place a trivet over it so they do not fly away, if you do not have a trivet, you can place 2 metal spoons on them.
Warm the tortillas at 330*F for 2-3 minutes.
Carefully remove the tortillas and place them on a plate.
Mix together the refried beans and sour cream.
Using 1 tortilla, add about 1 Tbsp of refried beans and spread evenly.
Add the cooked ground beef mixture about 1/4 cup.
Place the 2nd tortilla on top and press down gently.
Brush the top with taco sauce, then add cheese to cover.
At this point, you can sprinkle additional onion or black olives if you prefer.
Carefully place back in the air fryer.
Cook in the air fryer at 330*F for 6-7 minutes or until the cheese is melted and golden.
Carefully remove and serve.