01 - Combine rice, water, and salt in a medium saucepan. Bring to a boil, reduce heat, cover, and simmer for 15 to 18 minutes until tender and water is absorbed. Fluff with a fork, stir in lime juice and chopped cilantro, then set aside.
02 - Heat olive oil in a large skillet over medium heat. Add onion and cook for 2 to 3 minutes until softened. Add garlic and cook for an additional 30 seconds.
03 - Add ground beef to the skillet. Cook, breaking up with a spoon, until browned and cooked through, about 5 to 6 minutes. Drain excess fat if needed.
04 - Stir in chili powder, cumin, smoked paprika, oregano, salt, and black pepper. Cook for 1 minute until aromatic.
05 - Add tomato sauce or salsa to the beef mixture. Simmer for 2 to 3 minutes until slightly thickened, then remove from heat.
06 - Divide rice evenly among four bowls. Top each with seasoned beef, black beans, corn, cherry tomatoes, avocado, cheese, and desired toppings.
07 - Add a dollop of sour cream or Greek yogurt, sprinkle with green onions and cilantro leaves, and serve with lime wedges.