This was from my vhost file:
CODE
<IfDefine DEFAULT_VHOST>
<VirtualHost *:80>
ServerName www.lsltd.org
ServerAlias lsltd.org
DocumentRoot "/var/www/localhost/htdocs/joomla"
<Directory "/var/www/localhost/htdocs/joomla">
Options Indexes FollowSymLinks
AllowOverride All
Order allow,deny
Allow from all
</Directory>
Include /etc/apache2/vhosts.d/99_joomla_default_vhost.include
<IfModule mpm_peruser_module>
ServerEnvironment apache apache
</IfModule>
</VirtualHost>
</IfDefine>
and from the default.include file (you can merge this into the one file if you like, it was just something I left as is because of how apache was working on Gentoo):
CODE
ServerAdmin root@localhost
<IfModule alias_module>
ScriptAlias /cgi-bin/ "/var/www/localhost/cgi-bin/"
</IfModule>
<Directory "/var/www/localhost/cgi-bin">
AllowOverride None
Options None
Order allow,deny
Allow from all
</Directory>
this is on a gentoo system, therefore the vhost conf file was in /etc/apache2/vhosts.d. This was to get my domain - www.lsltd.org working on a system that had multiple vhosts and only one single static IP address assigned. Hope it helps a bit.
Effectively, all you need to be doing is creating a vhost for each user, and then pointing each vhost to their home directory. I don't know if there will be a permissions problem, but it's worth testing anyway, and this is how I would do it if I didn't want the userdir parameter enabled and used.