Place all ingredients (except for the sour cream, cilantro and cheese) in your Instant Pot.
Stir until everything is well combined.
Close the Instant Pot lid and be sure the valve is set to sealing. Select the "Soup/Chili" setting on your Instant Pot and set for 12 minutes. If the lentils are pre-cooked, you can select 5 minutes. Allow the pressure to release naturally, then remove the lid and stir.
Taste and adjust the seasoning before serving with optional garnishes of sour cream, cheese and cilantro.