Pinto Bean Enfrijoladas

Name: Pinto Bean Enfrijoladas
Ingredients: 3 tablespoons plus 1/4 cup olive oil; 2 cups chopped onions; 4 garlic cloves, minced; 2 (15- to 16-ounce) cans pinto beans, drained; 1 1/2 cups (or more) whole milk; 1 1/2 cups (or more) water; 1 teaspoon minced serrano chile with seeds; 3/4 teaspoon ground cumin; 1/2 teaspoon dried Mexican oregano; 1/8 teaspoon ground cloves; 12 (5 1/2- to 6-inch-diameter) corn tortillas; 2 1/4 cups crumbled queso ranchero (see Note); Chopped fresh cilantro; Sour cream