Photons are not really defined as mass. Basically Photons are mathematical wave construct that indicated how much luminous power falls on a discreet surface.
Masses are subject to a gravity power field. And it is the pressure of gravity that glues masses together.
A black hole by definition is really a conservative system where no mass can escape its event Horizon. Hence light being a micro mass structure is no exception.
One unit of light miro mass moving at the speeed of light would have a discreet energy. in accordance the Henri Poincare Equation = Ed=Md x C^2
Where Md is the discreet mass of light ,C is the average speed of light in local space,and Ed is the discreet Energy of the moving micro mass light particle.
Basically in the Universe there is nothing at rest ;every thing is in continuous motion. Hence there ain't no such thing as a Rest Mass.
So light is also in continuous motion =it never stops.
Einstein use the term rest mass only relativistically in terms of the Principle of Relativity. He did not mean that a mass at rest relatively does not move.
The difficulty with the Einstein interpretation of the Equation E= MC^2 where he equates mass and energy equivalency, is really in defining mass. Basically the fallacy occured about defining how mass increases or decreases. Mass consistst of atomic structure with particular architecture.
Thus Einstein left out Temperature out of the Energy Equation.
The Einstein famous Energy Equation that Einstein used should have been changed as follows;
;
E(t) = M(t) x C^2
Where E(t) is Energy Change as a function of temperature ,and M(t) is mass change as a function of temperature ,And C^2 is the average speed of light square in local space.
The Present Status Quo of Physics no longer uses the term Relativistic Mass increase in the Einstein mass equation of a particle moving at relativistic speeds. The reason is that Physists where not able to reconcile how mass can increase with increased velocity when the laws of thermodynamics indicated the opposite.
About Singularity= The micro mass particle of light was the first singularity created ,as per the Biblical record of Creation.
And as a singularity being the smallest in size , is the densest mass structure in the Physical Universe.