Water heater w/ Chimney or Tankless

[Charles Stein]

HI BP,

I have a 1 year old water heater and have to repair my chimney costs $5,000. I have two options:

1. 1. Repair the chimney for $5,000 and keep the existing water heater 
2. or 
3. 2. Replace the water heater with a tankless for $3,200 and then pay to have a roofing company remove the chimney neck and roof over the chimney (waiting on quote)

What's everyone's thoughts?

Thanks!