In a small bowl, mix the mayonnaise, ketchup, mustard, sweet pickle relish, and white vinegar until well combined. Season with salt and pepper to taste. Set aside.

In a skillet over medium heat, add the ground beef. Sprinkle in the onion powder, garlic powder, salt, and pepper. Cook until browned, breaking apart the meat as it cooks, about 5-7 minutes. Once cooked, drain any excess fat.

Lay a tortilla flat on a clean surface. Place a slice of American cheese in the center, followed by a generous scoop of the cooked beef, shredded lettuce, pickles, and tomatoes if using. Drizzle with the secret sauce.

Starting from one side, fold the tortilla over the filling, tucking it in tightly as you go. Roll it up completely and place seam-side down on a plate.

Repeat with remaining tortillas and filling. Serve your wraps with extra secret sauce on the side for dipping!