Heat a nonstick skillet over medium heat. Lightly brush with avocado oil. Warm each tortilla for about 15 seconds per side until soft and lightly toasted.
Warm the refried beans in a small pot over low heat, stirring occasionally until heated through.
In the same skillet that you warmed the tortillas, fry the eggs to your preferred doneness, seasoning with salt and pepper.
To assemble, place a tortilla on a plate, spread a layer of refried beans, add a fried egg, and drizzle with ranchero sauce. Top with avocado slices, chopped cilantro, cotija cheese, and jalapeño slices. Serve immediately.