01 - Preheat oven to 375°F. Lightly spray a 12-cup muffin tin with nonstick cooking spray.
02 - Warm tortillas in microwave for 20 seconds to make pliable. Press each tortilla or wonton wrapper into a muffin cup, shaping to fit the sides.
03 - In a skillet over medium heat, cook ground beef and onion until beef is browned and onion is soft, about 5 to 7 minutes. Drain excess fat if necessary.
04 - Add minced garlic and cook for 1 minute. Stir in taco seasoning and water. Simmer until thickened, about 2 to 3 minutes. Remove from heat.
05 - Spoon beef mixture evenly into each tortilla cup. Sprinkle with cheddar and Monterey Jack cheese.
06 - Bake 10 to 12 minutes, or until cheese is melted and cups are golden and crisp.
07 - Let cool 2 minutes before removing from tin. Top with sour cream, tomatoes, green onions, cilantro, and jalapeño as desired. Serve warm.