Assuming that there's at least o+x perms on /home/user1 and o+rx on /home/user1/YumRepo, my suspicion is that you're violating SELinux policy. Try
chcon -R --reference=/var/www/html /home/user1/YumRepo
Thanks. It was simple permissions, selinux is disabled. Made sure o+x and o+rx where assigned as you suggested and now it's working.
Thanks, James