Preheat the oven to 425 degrees F (220 degrees C). Line a rimmed baking sheet with foil or parchment paper and lightly spray with avocado oil.

Combine beef, onion, green chiles, chili powder, cumin, garlic powder, and salt in a medium bowl and mix until well incorporated.

Wrap tortillas in a damp paper towel and microwave just until softened, about 30 seconds.

Spread about 3 tablespoons beef mixture over half of a tortilla in a very thin layer that reaches to the edges  Spread about 1 tablespoon beans onto the other half. Sprinkle all over with about 2 tablespoons cheese. Fold tortilla in half to make a taco; place on prepared baking sheet. Repeat with remaining tortillas, meat and cheese. Lightly spray tops of tacos with avocado oil.

Bake tacos in the preheated oven until lightly browned, toasted, and crisp around the edges, 30 to 35 minutes. Serve with desired toppings.