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Step 1
Add the beans, garlic, chipotles and salt to a blender and puree until smooth.  Add stock (or water) until the puree has the consistency of a thick soup. Taste for seasoning and heat level.
Step 2
Warm the corn tortillas in the oven or microwave.  Place a big dollop of bean puree on a plate.  Dredge one side of a tortilla in the bean puree.  Flip the tortilla and fill with onion and cheese.  Roll tight and place in a baking dish seam side down (add some puree to the baking dish to prevent sticking).
Step 3
Continue rolling all of the tortillas -- this batch was enough for 8 rolled tortillas.
Step 4
Cover the tortillas in the baking dish with the remaining bean puree.  Bake at 425F for 8-10 minutes or until the cheese has melted.
Step 5
Serve immediately and top with your choice of avocado, cheese, cilantro and Crema.