Preheat oven to 375°F.
In large bowl, stir together pancake mix and water until dough forms.
Press dough into bottom of lightly greased 9”x13” baking pan.
Cover dough with vegetarian taco meat and 1 cup cheese.
Bake 15 to 20 minutes. Remove from oven and top with refried beans, onions, lettuce, tomato and remaining cheese.
Serve with sour cream and hot sauce, optional.
