Preheat the oven to 350 F
Melt ghee in an oven safe pan on medium heat. Add the onion and cook until soft, about 7 minutes.
Push the onions to the sides of the pan and add the ground beef to the middle of the pan. Break up the meat with a wooden spoon and add the salt. Continue cooking with the onion until beef is browned.
Add the chili powder and garlic. Cook for about one minute together. Then add the pinto beans, rice, and salsa. Let the ingredients cook together for about 5 minutes.
Turn off the heat. Smooth the mixture to an even layer and top with shredded cheese. Bake in the oven for about 15 minutes until cheese is melted.
Top with sour cream, avocado, cilantro, and masa chips, and lime if desired.