Rinse rice under cold water until water runs clear. Cook rice in a rice cooker or pot with 3 cups of water until absorbed, approximately 18 minutes. Let stand for 5 minutes covered.

Heat olive oil in a large skillet. Sauté chopped onion for 3-4 minutes. Add minced garlic and cook for another minute. Add ground beef, cooking until browned, about 6-8 minutes, and drain excess fat.

Return skillet to medium heat. Add chili powder, cumin, paprika, oregano, salt, and pepper. Stir in water and let simmer for 5 minutes.

Fluff the cooked rice with a fork. Divide among serving bowls and top evenly with seasoned beef.

Add fresh toppings: halved cherry tomatoes, shredded lettuce, corn, and black beans. Top with cheddar cheese and cilantro.

Squeeze fresh lime juice over each bowl, adding sour cream or Greek yogurt. Serve with lime wedges.