Cook beef in oil in skillet over medium high heat. Crush meat into fine pieces using a potato masher til cooked through, 5 minutes; drain and return to skillet
Stir in water, chipotles, tomato paste, garlic, cumin, coriander, and oregano. Season with salt and pepper. Simmer meat over medium low heat, 2 minutes.
For cheese sauce, melt butter in pan over medium heat; whisk in flour and cook 1 minute. Slowly whisk in milk, bring to a simmer, cook 1 minute, then educe heat to low
Whisk in pepper jack a little at a time, waiting to add more cheese til previous cheese has melted. season with salt. Assemble baked potatoes with lettuce, meat, cheese sauce, pico de gallo, scallions, cheddar and avocado. Serves 4