In bowl, combine broken up ground turkey, taco seasoning and water. Spray a skillet w/ cooking spray. Brown ground turkey mis.
Remove turkey to a bowl. Heat oil in skillet over med-high heat. Fry tortillas, one at a time, 30 seconds per side. Drain on paper towels.
Spread some beans, them turkey mix, then salsa over 4 tortilla. Spread chees, tomatoes and onions over other 4 tortillas. Stack the cheese tortilla over the beans spread tortilla. Place on a broiler pan. Broil until cheese melts.