An object traveling directly toward the center of a black hole crosses the Schwarzschild Radius, and then emits a photon pointing "directly away" from the center of the Black Hole about a nanometer inside and exactly perpendicular to Schwarzschild Radius. Since in the Schwarzschild radius, Space Time is bent such that all paths toward the future lead to the center of the black hole (so directly away can't exist), one can imagine how a photon emitted at the slightest angle would bend toward the center.
One issue with the analogy of a boat moving against a waterfall is that the boat would be traveling at a negative speed (backwards) of that of the boat minus that of the waterfall. But a photon traveling in a vacuum travels at the speed of light, c. So from the reference frame of the BlackHole, would the photon appear to immediately travel toward the center of the BlackHole at the the speed of light? I.e. no difference than if the photon had initially been emitted toward the center of the black hole?
--Regarding fish goes over the waterfall
OR, in this analogy, is the blackhole's reference frame not static, but is the waterfall and moving toward the center the BH due to gravity? So the photon can be traveling "away" from the center of the BH at the speed of light in a reference frame moving toward the BH's center at a speed faster than the speed of light --> and will eventually end up in the center.
Just Read (Hamilton & Lisle 2008), it exactly answered the concept I was driving at with my question. Thank you very much, ProfRob, for the reference. All Set.