Make the cheese sauce:
Melt butter in a saucepan over medium heat. Add cream cheese and heavy cream, whisking until smooth. Stir in shredded cheddar until fully melted. Keep warm on low heat.

Cook the beef:
Brown ground beef in a skillet over medium-high heat, breaking it apart as it cooks. Drain excess fat, add taco seasoning, and simmer for 5 minutes.

Crisp the tortillas:
Heat olive oil in a skillet. Lightly fry tortillas for 1–2 minutes per side until golden and crisp. Set aside.

Assemble:
Place a large tortilla flat. Add seasoned beef, cheese sauce, and a small tortilla on top. Finish with sour cream, lettuce, tomatoes, onion, and extra cheese.

Fold and cook:
Fold edges over filling to form a wrap. Cook seam-side down in a skillet for 3–4 minutes per side until golden and crunchy.

Serve:
Rest for 1 minute, slice in half, and serve warm.