Personally, I think the Financial Planner is in the right track

Your IPs and the job is in a fairly risky single industry regional area (Coal).  Say if coal prices plummet (Copenhagen this week.. who knows what'll come out of that), then all the risks can materalize all at once.

1.  Loss of job.  Maybe partially recovered with income protection insurance (how long would the claim take to sort out ?)
2.  Loss of rent-free accomodation due to loss of job.
3.  Likely loss of tenants on both properties for possibly long periods.  This isn't unusual in regional areas when the primary industry gets hit hard.  (on the plus side you can relocate to a vacant IP).  Landlord insurance won't cover this.
4.  Forget selling as you'd probably be in negative equity by this stage.

As for interest rates. I'd expect 8% to be likely..  10 to 12% to be worst case.

I also noticed you have a fairly large car loan.  Thats a pretty high interest, non deductible debt that I'd focus on nailing first.

And you certainly should take out the emotional factor of the decision, investing is not about thrills.  Wait a few years, increase your income.. payoff the car loan, then consider your next IP.. preferably in another state for diversification (and avoiding land tax threshold).