New site. I thought I marked that as the "Answer". Does it not show up?
Btw, I tried you solution. I created an account and gave it full directory level permissions. I also ensured it had read,write access at the site level. But I tried to connect using a client, I'd get "home directory not accessible" message. Maybe what you meant was create a home directory for the admin, but since it has full access to the root site, it would be able to navigate up to other users' directories?