Preheat oven to 375º
Combine chicken, peppers, onion, fajita seasoning, and vegetable oil in a bowl and toss to coat everything in the oil and seasoning
Pour into a 9x13-inch baking dish, or 10-inch cast iron skillet, and bake in preheated oven for 20 minutes
While the chicken is baking, combine sour cream and salsa
Remove chicken from oven and pour sour cream mixture over chicken
Stir to combine
Top with cheese
Place back in the oven for 10 more minutes, until cheese is melted and beginning to look toasty
Remove from oven and serve with sliced avocado, and your choice of optional toppings cilantro, chopped jalapeños, extra salsa, extra sour cream, or extra shredded cheese