In a large pot cook the onion and ground beef over medium-high heat, stirring often. Add the garlic and cook for another minute.
Add the potatoes, beef broth, salt and pepper.
Bring to a simmer and cook until potatoes are soft.
In a separate frying pan, melt the 4 Tablespoons of butter. Then add the 4 Tablespoons of flour and whisk together. Season with a tad more salt. When a late forms. Turn off the heat and add the paste (called a roux) to the soup. Stir together and bring to a simmer. Soup will thicken.
Remove from heat and add the sour cream and cheese. Stir to combine.
Serve soup with desired toppings and croutons.