Preheat the oven. Set to 375°F (190°C). Lightly grease a 9x13-inch baking dish.
Brown the meat. Heat 1 tablespoon oil in a large skillet over medium-high. Add ground beef, breaking it up as it cooks, until browned and no longer pink, about 5–7 minutes.
Drain excess fat if needed.
Sauté the veggies. Add remaining oil, onion, bell pepper, and zucchini to the skillet. Cook 4–5 minutes until softened. Stir in garlic for the last 30 seconds.
Season and simmer. Stir in taco seasoning, salt, pepper, drained tomatoes with chiles, and salsa.
Simmer 2–3 minutes to thicken slightly. Taste and adjust seasoning.
Make the creamy binder. In a bowl, whisk eggs and sour cream until smooth. This helps set the casserole without tortillas and keeps it moist.
Layer it up. Spread the meat mixture evenly in the baking dish.
Pour the egg mixture over the top and gently swirl with a spatula to distribute. Sprinkle with 1½ cups shredded cheese.
Bake. Place in the oven for 18–22 minutes, until the edges are bubbling and the center is just set.
Finish with cheese. Add the remaining ½ cup cheese on top and bake 3–5 more minutes until melted and golden in spots.
Rest and top. Let it rest 5–10 minutes to set. Add your favorite toppings: avocado, cilantro, jalapeños, and a squeeze of lime.
Serve. Scoop generous portions and enjoy with a crisp salad or cauliflower rice.