In a large non-stick skillet, heat the oil and butter over medium to medium-high heat.
Add the diced onion and bell pepper. Stir and cook for about 5 minutes, or until soft.
Stir in hash browns to mix in onion and bell pepper. Pack hash browns in an even layer in the skillet. Let cook (DON’T STIR) for 5 minutes.
Flip hash browns onto their other side and pack back in. Let it cook for another 5-7 minutes. Again, don’t stir! Continue to turn every 5 minutes until they start to get golden-brown and crispy.
While your hash browns are crisping, in another small non-stick skillet, turn the heat to medium. Spray with cooking spray.
Pour in beaten eggs and diced ham. Sprinkle with salt and pepper. Stir and cook until eggs are done. Remove from heat.
Once hash browns are crisp and golden, stir in the cheese. Stir until the cheese is melted, and then turn off the heat. Remove from the hot burner.
On each tortilla, spread an even layer of the cheesy hash brown mixture. Top with a layer of eggs and ham. Wrap up in burrito style, and serve!