Prepare any optional toppings (see notes) that interest you; set aside.
Empty the jar of salsa ranchera in a microwave-safe bowl or jug, and zap briefly in the microwave just enough to warm it. You don't want to "heat" it and bring it to boiling; just warm it.
Empty the jar of beans into a sieve. Rinse over sink, shake to drain, then put in a microwave safe bowl or jug.
Season with a few shakes of salt OR salt sub, ground black pepper, ground cumin. Optionally, also a few drops of bottled lime or lemon juice, and a few drops of hot sauce.
Mix the beans, then mash with a potato masher, and nuke on high in the microwave for a minute or two depending on the heat of your microwave. Set aside, covered.
Take a frying pan, spray it with a few sprays of cooking spray, and warm the tortillas for about 2 minutes a side, repeating as needed to do all 4 depending on the size of your pan. Set the tortillas aside, covered.
Spray the pan with a few sprays of cooking spray, and fry the eggs. Season with salt OR salt sub and pepper as desired. Flip if desired, or leave sunny side up.
Now quickly bring it all together. Take 1 tortilla, spread ¼ of the mashed beans on it, then on top of that 1 egg, then finally ¼ of the salsa ranchera. Garnish with any toppings you prepared, and send hot to the table.