In a small bowl or measuring cup combine the chicken broth, salt, pepper and garlic. Set aside.
In a medium saucepan or skillet, heat olive oil on medium heat. Whisk in flour continuously stirring until oil and flour have a smooth thick consistency (about 2-3 minutes).
Reduce heat to medium-low and pour in the sauce mixture from step 1, stirring until thicken (about 3-5 minutes).
Remove from heat and fold in sour cream. Set aside. (Optional remove ¼ cup of sauce to use to drizzle across the top)
Grease the bottom of a 9x13 in baking dish and layer the following ingredients in the pan: Chips, browned hamburger meat, ranch style beans, sauce, rotel, and cheese.
Bake at 350° F for 12-15 minutes until cheese is fully melted. Serve immediately. Store leftovers in the refrigerator for up to 3 days.