^^bbm
In the defense's December 2022 motion to keep the financial misdeeds from being considered as evidence, it appears that the loan on the beach house was already approved--subject to the pending appraisal. I think MM not signing for a loan is proving to be another rumor without merit.
IMO, I think MM alluded to her preparing for the appraisal when she texted a friend that she had to leave the beach house open but trusted the workman ("the Mexicans") to lock up for her.
I think it's important to recognize that all Murdaugh's assets were previously jointly owned and had only recently been quitclaimed to MM (removing AM from the title) for obvious litigation purposes.
I don't believe that MM would ever hold out on AM's true collateral knowing the mortgages for everything now in MM's name were being paid by income earned by AM as they'd always been. MM was a homemaker who most likely left all financial matters to AM. JMO