In a large frying pan, brown ground beef, onions and garlic. Add crushed red peppers, pepper and cumin. Once ground beef is thoroughly cooked, drain grease and return to pan.
In a 2 ½ quart baking dish, spray with a non stick spray. Place a layer of peppers in the bottom, then ¾ cup of Monterey Jack cheese, ½ of the ground beef mixture, ½ cup Pepper Jack cheese, and ½ cup of sharp cheddar cheese. Repeat layers ending with sharp cheddar cheese.
In a small mixing bowl, whisk half & half, eggs and flour together. Pour on top of pepper mixture.
Bake uncovered at 350° for 30-35 minutes. Add remiaining ½ cup of cheddar cheese on top and pop back in the oven for 15 more minutes or so.
Once cheese has browned a bit, remove from oven and enjoy with your favorite side dishes like refried beans, rice, etc.