This was terrific! Following eebrag's lead, I topped the refried beans with salsa, then sprinkled on the cheese (I used both mozzarella and a mexican-blend), and baked at 350F for 10 minutes. The edges were crispy but the majority of the tortilla stayed soft; very nice texture and excellent taste. I am sure that this easy meal will become a regular for me when I need something just for myself. Thanks for posting!
This is so quick and easy, I've made it several times now for lunch. Nowadays I usually add salsa on top of the beans & seasonings but before sprinkling with the cheese, then bake it with the salsa. Unless I'm in a hurry, I use a lower temperature--325F and cook it a bit longer--about 10 min. It comes out a bit softer that way, which is how I like it best.