Warm salsa. In a small pot, bring salsa to a low simmer. Cover and keep warm.
Prep tortillas. Spread beans over the tortillas.
Fry tortillas. Heat 1 tablespoon of the oil in a large non-stick frying pan over medium-high heat. Place 1-2 of the tortillas in the pan, bean-side up (depending on how many will fit in your pan) and cook until beans are warm to the touch and crisp on the bottom, about 2 minutes. Remove to a plate and repeat with remaining oil and tortillas. Lower heat if oil starts smoking.
Fry eggs. Reduce heat to low and add a bit more oil to the pan if the pan looks dry. Crack eggs two at a time into the pan. Season with salt and let cook to desired doneness.
Serve. Top each tortilla with two fried eggs, about a 1/4 cup of the warm salsa and garnish with Pico de Gallo, cotija cheese, and cilantro if desired.