In a large skillet, heat the olive oil over medium heat. Add the cut corn tortillas or tortilla chips, and fry them until they are slightly crispy, about 2-3 minutes. Remove them from the skillet and set aside.
Using the same skillet, add the chopped onion, poblano peppers, and jalapeño. Sauté for about 5-7 minutes until the vegetables are soft and fragrant.
In a mixing bowl, whisk together the eggs, water, salt, and pepper until well combined.
Reduce the heat to low. Add the crispy tortillas back into the skillet with the sautéed vegetables. Pour the egg mixture over the top, gently folding the ingredients together with a spatula.
Once the eggs start to set, sprinkle the shredded Monterey Jack cheese over the top. Continue to cook until the eggs are fully cooked and the cheese is melted, about 3-5 minutes.
Remove the skillet from heat. Gently fold in the chopped Roma tomatoes and cilantro. Top with crumbled cotija cheese before serving.