Step 1

In a pan over medium heat, heat oil. Add onions and garlic and cook until softened.

Step 2

Add ground beef and cook, breaking with the back of a spoon, until lightly browned.

Step 3

Add chili powder and cumin. Stir to combine.

Step 4

Add soy sauce and tomato sauce. Continue to cook until meat is cooked through and liquid is mostly absorbed. Season with salt and pepper to taste.

Step 5

Divide rice onto serving plates. Top each plate of rice with meat, lettuce, tomatoes, salsa, sour cream, and mozzarella cheese. Serve immediately.