Prepare the rice 24 hours ahead of time. Store in ther efrigerator overnight to make the rice starch-resistant. Alternatively, you could use cauliflower rice. If so, prepare the cauliflower rice when preparing everything else. This works just as well.
Wrap the tortillas in foil and heat them in the oven.
When ready to prepare the burritos, heat the oil in a skillet.
Saute the onion, garlic, red bell pepper and jalapeno until softened.
Add the black beans and tomatoes. If you are not Keto, you can add the corn now. Corn is not a suitable ingredient on a Keto diet. Stir.
Stir in the chipotle chili powder, cumin, salt, pepper and hot sauce.
Stir in the cream cheese and allow it to melt, stirring occasionally to incorporate it.
Fold in the starch-resistant rice and cook for 5 minutes to heat through.
Remove the tortillas from the oven.
Place a tortilla on a square of aluminum foil or on a plate.
Spread the tortilla with a couple of tablespoons of refried beans.
Spoon a few tablespoons of the filling along the middle of the tortilla.
Sprinkle with the Monterey Jack cheese and cilantro.
Fold in the sides of the tortilla about an inch or two; then, roll up to seal.
Wrap the burrito in the foil square and keep warm in the oven.
Repeat this process with all the burritos. Keep warm until serving.
You can freeze the burritos instead of keeping them warm because these are a good for lunch and dinner.