In a large skillet over medium heat, add the lean ground beef. Once the meat is browned, add the minced onion and garlic. Cook until the onion is translucent, about 3-4 minutes.
Sprinkle the taco seasoning over the beef mixture. Pour in the water, and stir to combine. Allow it to simmer for about 5 minutes until the mixture thickens slightly.
While the beef is cooking, warm the flour tortillas in a separate pan or microwave for about 15 seconds to make them pliable.
On a large plate, place a tortilla and add a layer of seasoned beef in the center. Top it with a tostada shell, followed by nacho cheese sauce, a dollop of sour cream, shredded lettuce, diced tomatoes, and a sprinkle of Mexican cheese blend.
Carefully fold the edges of the tortilla towards the center, creating pleats and sealing in the filling. You can secure it with a toothpick if needed.
In the same skillet, add a little oil over medium heat. Place the folded Crunchwrap seam side down in the skillet. Cook for about 3-4 minutes on each side until golden brown and crispy.
Remove from the skillet and cut in half to show off the layers. Serve with salsa, pico de gallo, and a sprinkle of cilantro on top.