Rinse the rice: Rinse under cold water until it runs mostly clear. Drain well.
This helps prevent sticky, clumpy rice.
Sauté aromatics: Heat oil in a medium saucepan over medium heat. Add onion and cook 3–4 minutes until translucent. Stir in garlic and jalapeño; cook 30 seconds until fragrant.
Toast the rice: Add the drained rice.
Stir and toast 2–3 minutes until lightly golden. This step boosts flavor and improves texture.
Season: Sprinkle in cumin, chili powder, smoked paprika, and oregano. Stir 30 seconds to bloom the spices.
Add liquids: Pour in tomato sauce and broth.
Stir, scraping the bottom of the pan. Season with 1/2 teaspoon salt and a few grinds of pepper.
Simmer gently: Bring to a gentle boil, then reduce heat to low. Cover and cook 15 minutes without lifting the lid.
Add beans: Quickly lift the lid, scatter the beans over the rice, re-cover, and cook 5 more minutes.
The beans warm through without breaking apart.
Rest and fluff: Remove from heat and let it rest, covered, 5–10 minutes. Fluff with a fork. Stir in lime juice and cilantro.
Taste and adjust salt.