Dice or mince the onion, jalapeño pepper, and garlic.
Preheat a medium saucepan over medium heat. Add the oil to the pan, then add the onion and jalapeños. Sauté until translucent, about 10 minutes.
While the onions and jalapeño peppers cook, open and drain the cans of pinto beans. No need to rinse the beans.
Add the minced garlic, and then the salt, black pepper, cumin, and chipotle chili powder to the cooked onions and jalapeño. Stir and cook until fragrant, about 30 seconds.
Add the water and pinto beans. Bring the beans to a simmer. Cover and simmer for 10 minutes. This makes the beans very soft and helps marry the flavors.
Carefully pour the bean mixture into a medium mixing bowl. Mash the beans with the potato masher until they reach your desired consistency. You can also pulse the beans with an immersion blender. Do not mash them in the pot. You will badly scratch your pot. Trust me.
Serve with tortilla chips and toppings of your choosing, or as a component for tacos, quesadillas, etc.