Step 1: Prepare the Ground Beef

1. Heat a large skillet over medium heat. Add the ground beef and cook until browned, breaking it up with a spoon.
2. Add the chopped onion and minced garlic, sautéing until softened (about 2 minutes).
3. Stir in chili powder, paprika, cumin, salt, and black pepper. Cook for another minute.
4. If using, add 1/2 cup of beef broth and simmer for 5 minutes until slightly thickened. Remove from heat.

Step 2: Make the Creamy Sauce

1. In a small bowl, whisk together sour cream, mayonnaise, lime juice, hot sauce (if using), garlic powder, and salt. Set aside.

Step 3: Assemble the Wraps

1. Lay a flour tortilla flat on a plate.
2. Sprinkle a mix of cheddar and mozzarella cheese in the center.
3. Spoon a generous amount of the seasoned beef mixture over the cheese.
4. Drizzle some creamy sauce over the beef.
5. Add shredded lettuce and diced tomatoes if desired.

Step 4: Toast and Serve

1. Fold the sides of the tortilla in, then roll it up tightly like a burrito.
2. Heat a clean skillet over medium heat. Place the wrap seam-side down and toast for 2 minutes until golden brown. Flip and toast the other side.
3. Remove from heat, slice in half, and serve warm.