User Dir

[Cliff Cole]

Hello,
        Just wondering due to some testing I have done, it looks as though
qmail only will except mail for a user with 
1) and home dir in the password file
2) chown username /home/mail/dirofuser

Is there any way for qmail to bypass looking for a home directory?
I could be wrong about anything I have listed above, but from my testing
this appears to be correct.  Any help would be appreciated.

Thanks
Cliff Cole