Preheat oven to 375°F (190°C). Grease a 9x13-inch baking dish.
In a skillet over medium heat, cook ground beef, onion, and garlic until beef is browned. Drain excess grease.
Stir in taco seasoning and water. Simmer for 5 minutes.
Spread 1/4 cup enchilada sauce in the bottom of the baking dish.
Fill each tortilla with a few spoonfuls of beef and some cheese. Roll up and place seam-side down in the dish.
Pour remaining sauce over the top and sprinkle with the rest of the cheese.
Bake for 20–25 minutes, until bubbly and cheese is melted.
Garnish with toppings before serving.