Honduran Flour Tortilla with Beans and Toppings

Name: Honduran Flour Tortilla with Beans and Toppings
Cuisine: Mexican, Latin American, American
Ingredients: 2 cups all-purpose flour; 1/2 teaspoon salt; 1/2 teaspoon baking powder; 3 tablespoons vegetable oil or lard; 3/4 cup warm water; 1 1/2 cups refried red beans (homemade or canned, warmed); 1/2 cup crema (or sour cream as a substitute); 1 cup crumbled queso fresco (or feta as a substitute); Optional toppings; Sliced avocado