Easy Sheet Pan Nachos

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• 16 ounces tortilla chips(1 bag of your favorite)
• 0.5 cup cooked and seasoned ground beef or turkey(optional)
• 0.5 cup canned black beans(drained and rinsed)
• 0.5 cup canned diced tomatoes(drained)
• 0.5 cup black olives(sliced)
• 0.5 cup pickled jalapeño slices(adjust to your spice preference)
• 0.25 cup red onion(diced)
• 0.75 cup medium cheddar cheese(shredded)
• 0.75 cup Monterey Jack cheese(shredded)
• 0.25 cup sour cream(for drizzling)
• 0.25 cup fresh cilantro(chopped, for garnish)
• 2 tablespoons unsalted butter((For: cheese sauce))
• 2 tablespoons all-purpose flour((For: cheese sauce))
• 1.25 cups whole milk((For: cheese sauce))
• 1.5 cups sharp cheddar cheese(shredded (For: cheese sauce))
• 0.5 teaspoon garlic powder((For: cheese sauce))
• 0.25 teaspoon onion powder((For: cheese sauce))
• salt and black pepper(to taste (For: cheese sauce))