In a sauté pan, over medium heat, warm black beans, onions, peppers, jalapeños, and cumin for approximately 5 minutes. Place one warm Homemade Flour Tortilla on each of four dinner plates. In a skillet, fry 2 eggs; season with salt and pepper to taste, and top with cheese to melt. Transfer onto one of the tortillas. Repeat with remaining eggs. Top eggs with the black bean mixture. Pile on the tomatoes, avocadoes, cilantro, lime juice, and sour cream.