Preheat the oven to 350F.
In a large skillet over medium heat, add the oil. Once it’s hot and shimmering, add the beef, break it up into chunks. Let it cook, undisturbed for 3-5 minutes to get it browned on one side. Sprinkle with ½ teaspoon salt, then continue to break into small crumbles until cooked through. If there is a lot of excess oil in the pan, tilt the pan and use a spoon to remove most of it.
Add the beans, spices, and remaining ½ teaspoon salt and stir to combine for 30 seconds. Remove from heat.
To make the taco sauce, add all ingredients into a small bowl and mix to combine.
Add tortilla chips to a standard baking sheet in a single thick layer (you don’t want any of the pan exposed on the bottom). Sprinkle 2 cups cheese evenly over top. Bake for 2 minutes or until the cheese is just melted.
Top with the warm beef and bean mixture (if it’s not warm, warm it up!) and sprinkle the remaining 2 cups cheese evenly over top and bake for 2-3 minutes or until cheese is just melted
Top with dollops of taco sauce and guacamole. Scatter pickled jalapenos all over. Sprinkle with cotija cheese and herbs to finish. Serve with salsa on the side.