Preheat oven to 350°F; spray a 9x13-inch dish.
Brown beef in large skillet over medium-high, breaking up meat; drain fat.
Add taco seasoning and water; simmer 3-4 minutes until thickened. Stir in salsa, beans, and chiles.
Spread thin meat layer in dish; layer 3 tortillas, overlapping as needed, half the remaining meat, and 1 cup cheese.
Repeat with 3 tortillas, remaining meat, and another cup cheese.
Top with remaining 2 tortillas; spread sour cream over top and sprinkle with remaining cheese.
Cover with foil; bake 25 minutes, then uncover and bake 5 minutes until cheese is melted and bubbly.
Stand 10 minutes before slicing and serving.