Forbes magazine looked at the country's 40 largest metropolitan areas to find the worst places to invest in a home.

To make the list a city had to suffer from a hefty foreclosure rate, lousy job growth, sagging home sales and lots of empty, unsold homes.

If you're an owner in one of these towns, check out our advice on what to do with a hard-to-sell home.

1. Detroit, Mich. The economy may be the worst in the country, with jobs disappearing and workers fleeing the state. No wonder the Motor City has five times as many foreclosures as the national average.

2. Orlando, Fla. With a whopping 7.4% vacancy rate and a 1.9% foreclosure rate, economic expansion stopped last year.

3. Cleveland, Ohio In 2007, 3% of homes went into foreclosure -- the sixth-highest rate in the U.S. In addition, Cleveland's vacancy rates top Miami's.

4. St. Louis, Mo. A 1.2% foreclosure rate and slow job growth have resulted in one of the country's most severe price corrections.

5. Miami, Fla. As the number of unsold homes grew, homeowners reduced prices, but the foreclosure rate is still the eighth-highest in the country.

6. Las Vegas, Nev. An extraordinary building binge financed with risky adjustable-rate mortgages has resulted in record foreclosures and lots of unsold homes in a town where job growth has been stalled since March 2006.

7. Sacramento, Calif. With the fifth-worst foreclosure rate, Sacramento homeowners are cutting prices. But can the city, which relied on construction, add enough jobs to lure buyers?

8. Denver, Colo. Despite a growing economy and a reasonable $240,000 median home price, Denver has the country's ninth-highest foreclosure rate.

9. Tampa, Fla. While the city continues to add residents and remains a popular destination for retirees, it's also got a weak, service-oriented job market that's been losing jobs the past six months.

10. Phoenix, Ariz. There are 53,000 homes on the market, a five-fold increase from 2005, and homes aren't selling close to asking prices.

Whether you're buying a home or refinancing an existing mortgage, we have a mortgage calculator that can help you make the right decisions.