For the bean layer, heat oil in a pot over medium low heat. Add the garlic and cook until it starts to brown. Add the pinto beans and mash until smooth. Mix in the water and cook for 1 minute, stirring constantly, until it thickens. Turn off heat and stir in the salt and pepper. Taste test for seasoning adjustments. Let cool.
For the guacamole layer, mash the avocados with a fork or masher until smooth. Mix in the onion, cilantro, lime juice, and salt. Taste test for seasoning adjustments.
For the sour cream layer, mix all of the ingredients together.
For the salsa layer, add all of the ingredients into a food processor. Blend until almost smooth, or until desired consistency. Taste test for seasoning adjustments.