Drain and rinse the three types of beans. Drain the corn. Add the rinsed beans and drained corn to the pot. Add the undrained tomatoes (all undrained) along with the taco and ranch seasoning and water. Stir to combine. Heat until boiling. Reduce and simmer for 10 to 15 minutes. Serve over rice or with corn chips. Add a dollop of sour cream and a sprinkle of cheddar cheese, if desired.