In a skillet, brown the ground beef and drain off any excess grease.
Season beef with a salt and pepper along with the chili powder, cumin, garlic powder and water. Stir to combine.
Mix in the black beans, corn, bell pepper, and onions. Cook for a 2-3 minutes. Then mix in the rice and cook until heated through.
Heat a large skillet over medium high heat.
On each tortilla, sprinkle some cheese down the middle followed by spoonful of the beef filling. Top with a few small dollops of sour cream. Roll the tortilla up, folding in the sides like a burrito.
Add a little oil to another skillet and cook the wraps until golden and crispy on all sides. Serve with the creamy cilantro dipping sauce or salsa. Makes 6-8 servings.