Preheat oven to 375°F (190°C). Lightly grease a 9×13-inch baking dish.
Warm tortillas (briefly in a hot skillet or wrapped in a damp towel in the microwave) so they’re pliable. If you’re using corn tortillas and want extra durability, pan-fry each in 1 tbsp oil for 10–15 seconds per side and drain on paper towel.
Make the beef filling: Heat a large skillet over medium-high heat. Add the ground beef and break it up. Brown until mostly cooked (5–7 minutes). Drain excess fat if desired, leaving ~1 tbsp for flavor.
Add the diced onion and chopped jalapeño to the beef; sauté until translucent (4–5 minutes). Stir in garlic and cook 30–60 seconds until fragrant.
Stir in cumin, chili powder, smoked paprika, oregano, salt, and pepper; toast the spices 20–30 seconds. Add tomato sauce, tomato paste, and broth; stir and simmer 5–8 minutes until the mixture thickens slightly. Add Worcestershire or soy sauce if using. Taste and adjust salt/acid. Remove from heat.
(Optional) Make a quick scratch enchilada sauce: In a saucepan, heat 2 tbsp oil over medium heat, whisk in 2 tbsp flour to form a roux and cook 1–2 minutes. Add 3 tbsp chili powder, 1 tsp cumin, ½ tsp garlic powder, ¼ tsp onion powder and whisk. Slowly whisk in 2 cups broth and 8 oz tomato sauce; simmer until smooth and slightly thickened. Season with salt. Or simply warm your store-bought sauce.
Assembly — first layer: Spread about ½ cup sauce on the bottom of the prepared pan. Lay a single layer of warm tortillas (overlap slightly or tear to fit). Spoon roughly one-third of the beef mixture evenly over the tortillas. Scatter a few spoonfuls of beans and corn if using. Sprinkle ¾ cup shredded cheese. Drizzle ⅔–¾ cup sauce across the top of this layer.
Repeat layers: tortillas → 1/3 beef → cheese → sauce. For three layers total, finish with a final layer of tortillas topped with remaining sauce and the remaining cup of cheese.
Cover the pan loosely with foil (tent so foil doesn’t stick to cheese). Bake covered for 20 minutes. Remove foil and bake 8–12 more minutes until the casserole is bubbling and the cheese is melted and lightly browned. If you want a bit of char, broil 1–2 minutes — watch carefully.
Remove from oven and rest 8–10 minutes to set for cleaner slices. Garnish with cilantro, green onions, sour cream, and lime wedges. Serve warm.