Casa Loma Development has submitted a commercial loan application to fund the construction of an industrial warehouse, projected to have a market value of $25,000,000 upon completion. The expected net operating income (NOI) from the fully developed property is $3,000,000. The bank is proposing a loan with a 5% annual interest rate and a 10-year amortization period. Given an indicated Debt Coverage Ratio (DCR) of 1.2, what would be the maximum achievable loan-to-value ratio in this scenario?