Paris Hilton has ignited interest regarding her finances after securing a massive $44 million loan against her recently acquired Beverly Hills mansion, more than a month following the conclusion of the multimillion-dollar purchase.

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

The former star of Simple Life, 44, acquired the opulent French chateau-style estate just a few months ago from Hollywood icon Mark Wahlberg for $63 million, a notable $5 million less than the asking price.

Nestled within the hills of Beverly Park and spanning six acres of prime real estate, Hilton purchased the property alongside her entrepreneur husband, Carter Reum, who is also 44.

In exchange for the substantial price tag, the couple obtained an astonishing 30,500-square-foot mega-mansion reminiscent of the French countryside—if the countryside featured a five-hole golf course, a movie theater, 20 bathrooms, and a resort-like pool grotto.

However, after already acquiring the home, the couple, who married in 2021 and have two children, decided to take out a significant $43.75 million mortgage with JPMorgan Chase Bank at an interest rate of 5.25 percent.

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 percent of his $4.5billion fortune to his father Conrad’s charitable foundation.

The other three percent 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 $40+ million 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!’