Homemade Instant Pot Chili with dried beans - comfort food!

"Instant Pot Chili, with ground beef and dried beans, is the perfect comfort food for a fall or wintry evening.  A great dish to feed a crowd, or for game day. ..."

INGREDIENTS
1 1/2 cups  dried pinto beans
2 Tbsp vegetable oil
1 1/2 lbs ground beef
2 cups onion (chopped)
1 cup bell pepper (chopped)
2 Tbsp garlic (minced)
3 Tbsp Mexican chili powder
1 Tbsp dried oregano
2 tsp cumin powder
2 tsp cocoa powder
1 tsp salt (or to taste)
1/2 tsp black pepper powder
1/4 tsp cayenne pepper (or to taste)
4 cups beef broth
1 can (14 oz.) diced tomatoes (or 2 cups fresh tomatoes, chopped)
1/4 cup masa harina (e.g. Bob's Red Mill brand)
Your choice of toppings: sour cream
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