Water starts to fall from the clouds when the drop size reaches a critical point which depends on a lot of factors such as the strength of upward currents, but also air density and gravity acceleration. When the drops leave the cloud no more collisions take place and their size is fixed.
To create a water stream we need to concentrate water from a large area to a local point. This is done by each roof and gutter, but could this happen in the atmosphere?
Let's think about this: air currents will need to point from different directiondirections to a local spot bringing there water from a large volume. This would require air to compress approaching that spot, which would divert this current. So, even from an intuitive point of view, this is not likely to happen.