Bruce,
The OP doesn't describe his 1/2-bike cycling experience, but I wouldn't want to prejudice him against a road configuration should he find something that fits their needs. I suppose my handlebars are about level with the seat, might be a bit lower, but the position is extremely comfortable and I can spend 1/2 hour or so in the drops when we encounter a headwind. If the OP buys used at good value he can also afford to be a bit flexible in a first tandem to better determine what's right for them.