Paris Hilton has ignited rumors regarding her financial situation by securing a substantial $44 million loan on her recently acquired Beverly Hills mansion, over a month after finalizing the multi-million dollar purchase.

But is the hotel heiress running out of cash, or just playing a smart financial game?

The 44-year-old former star of Simple Life acquired the extravagant French chateau-style property just a few months back from Hollywood icon Mark Wahlberg for $63 million, which was $5 million less than the asking price.

Nestled in the hills of Beverly Park and sprawling over six acres of prime land, Hilton purchased the estate alongside her entrepreneur husband, Carter Reum, who is also 44.

And for the sky-high price tag, the couple scored a jaw-dropping 30,500 square-foot mega-mansion that looks like it was lifted from the French countryside – if the French countryside had a five-hole golf course, a movie theater, 20 bathrooms and a resort-style pool grotto.

But then the couple, who married in 2021 and have two children, decided after they had already bought the house to take out a huge $43.75million mortgage with JPMorgan Chase at an interest rate of 5.25 per cent.

This works out at an astonishing $283,196 a month, which includes California property taxes. 

Hilton took a hit to her financial future in 2019 when her grandfather, Barron Hilton, chose to donate 97 per cent of his $4.5billion fortune to his father Conrad’s charitable foundation.

The other 3 per cent went to close relatives, but the heiress’s immediate family was cut out of the deal.

But real estate experts tell the Daily Mail the loss likely had little impact on Paris and Carter’s decision to take out a multi-million dollar loan, with some calling the move a savvy financial strategy.

While some celebrities opt to finance their homes rather than pay cash upfront, it’s unusual to take out a mortgage more than a month after closing – as it’s typically arranged as part of the purchase.

Experts say this delay doesn’t point to financial strain. Instead, they say it’s a strategic move that highlights just how financially savvy Paris really is.

Dr. Lee Davenport is a nationally respected real estate coach, and says: ‘It’s not uncommon for homeowners, whether high net-worth or not, to refinance their homes for liquidity or investment flexibility.

‘A short one-month delay tells me that it may have taken some time to negotiate terms or structure the loan for tax and estate planning.

‘But Paris and her husband likely intended all along to pull out the home value in order to leverage it for another venture.

‘From a distance, it seems Paris is a savvy businessperson, despite a few scandalous moments in the media that may still cloud her reputation.

‘And clearly, lenders agree, at least as far as her creditworthiness is concerned, in order for her to secure a $40million+ loan in as little as a month.

‘Thus, for me, the real question is what investment opportunity has captured her attention.’

Doug Perry, Strategic Financing Advisor at HouseCashin, agrees that she may have missed out on a huge windfall from her grandad, but she’s still a canny investor.

He said: ‘Buying a home and getting financing after the fact, what is called delayed financing, is done for a variety of reasons. It does require a well-resourced buyer, especially when it is in the ultra-high-end price range.

‘Paris might have been cut out of her grandfather’s will, but she has still inherited his knack for business. 

‘She has proven herself an effective businessperson by setting up multiple revenue streams. In the end, she has over 30 percent equity in the property, which is pretty good.’

Indeed, Paris and Carter did pick up a relative bargain from the actor, who had initially put the property on sale for $68million in March, and took a $4.9million reduction on it.

In 2009, Wahlberg splashed out $8.25million on a plot of land in the North Beverly Park area to build his dream home with a pool, library, theater and five-hole golf course, spread over 6.14 acres.

After years of being sneered at and dismissed as a party-girl socialite, characterized as ‘famous for being famous’, Paris has remained in the spotlight for decades and built a $300million empire.

She’s said in the past about her success: ‘I’ve proven myself as an intelligent businesswoman who’s created a huge brand.

‘Being a woman in the industry, there are always stereotypes. But I love it when I can walk into a board meeting and completely take over the room.

‘It feels amazing to have that respect. I feel like an amazing woman!’