Prep the oven and pan: Heat the oven to 375°F (190°C). Lightly grease a 9x13-inch baking dish.
Sauté the aromatics: Warm a large skillet over medium heat.
Add a splash of olive oil if needed, then cook the onion and bell pepper for 3–4 minutes until softened. Stir in the garlic for 30 seconds until fragrant.
Brown the beef: Add the ground beef, breaking it up with a spatula. Cook until browned and no longer pink, about 6–8 minutes.
Drain excess fat if necessary.
Season and simmer: Stir in the taco seasoning, salt, and pepper. Add the diced tomatoes with green chiles and beef broth. Simmer 3–4 minutes until slightly thickened.
Add the cauliflower rice: Mix in the riced cauliflower.
Cook 2–3 minutes to warm through and let it absorb flavor. Taste and adjust seasoning.
Make it creamy: Lower the heat and stir in the cream cheese until melted and smooth. Remove from heat and fold in the sour cream.
Layer the casserole: Spread the beef mixture evenly in the baking dish.
Top with cheddar and Monterey Jack in an even layer.
Bake: Bake uncovered for 15–18 minutes until the cheese is melted and bubbling around the edges.
Finish and serve: Let it rest for 5 minutes. Add your favorite toppings like green onions, cilantro, or sliced jalapeños. Spoon into bowls or serve with a side salad.