Preheat the air fryer: Set to 375°F (190°C). Let it heat while you prep.
Warm the beans: If using refried beans, stir in a splash of water and warm briefly in the microwave so they spread easily.
If using black beans, season with a pinch of salt, pepper, and a squeeze of lime.
Crisp the tortillas: Lightly spray or brush both sides of the corn tortillas with oil. Air fry for 2–3 minutes until just starting to crisp but still pliable. Remove and set aside.
Assemble the base: Spread a thin layer of beans on each tortilla.
Sprinkle with shredded cheese. Place the tortillas on a small piece of foil or a parchment liner designed for air fryers.
Add the eggs: Create a slight well in the beans and cheese. Crack one egg onto each tortilla.
If you’re worried about spillage, crack the egg into a small bowl first, then slide it onto the tortilla.
Air fry: Return the assembled tortillas to the air fryer basket. Cook at 350–360°F (175–182°C) for 5–7 minutes, depending on how runny you like your yolks and how powerful your air fryer is. Look for set whites and jiggly centers.
Top with salsa: Spoon salsa over each tortilla as soon as they come out.
The heat will warm the salsa without making the tortilla soggy.
Finish with toppings: Add sliced avocado, cilantro, a sprinkle of onion, a squeeze of lime, and any extras you like. Season with salt and pepper to taste.
Serve right away: Huevos rancheros are best hot, while the tortillas are crisp and the yolks are still soft.