01 - Place the sour cream, mayonnaise, cilantro, lime juice, garlic, jalapeño (if using), cumin, salt, and pepper into a blender or food processor.
02 - Process on high until the mixture is completely smooth, stopping to scrape down the sides as needed.
03 - Add water or milk, 1 tablespoon at a time, and blend until the sauce reaches your desired thickness.
04 - Taste the sauce and adjust salt, pepper, or lime juice as needed to balance the flavor.
05 - Transfer to an airtight jar or bowl, cover, and refrigerate for at least 30 minutes to allow the flavors to meld before serving.