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I do need one who has a growth potential. My other IPs are in Mildura and Wagga, they get very good rent compared to purchase price, but unsure about their growth

So would you think it's good to invest in Toowoomba. Margaret Lomas at her seminar in WA recently mentioned Toowoomba as a hotspot, since I've heard about Toowoomba before I become interested in the area. My other areas of choice are Orange, Ballarat and Elizabeth.

Want to buy one in Toowoomba, however I'm concerned with the flood. Would my concern of the flood be justified not to invest there? Another reason is my insurance with Terry Scheer and the insurance does not cover flood.