Instant Pot Refried Bean and Cheese Burritos - No Getting Off This Train

Ingredients

• 1 pound dried pinto beans, rinsed and picked through for rocks
• 3 cups water
• 4 cups chicken or vegetable broth
• 1 onion, diced
• 1 tablespoon garlic
• 2 tablespoons olive oil
• 2 teaspoons salt
• 1 teaspoon cumin
• 1 teaspoon oregano
• 1 teaspoon chili powder
• 1 1/4 cup shredded cheddar
• 21 small fajta-sized tortillas