Having Radiation and Virtual Particles

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Is it potentially valid to describe quantum tunneling as the simultaneous creation of two opposing particles out of the quantum foam followed shortly by one of those particles anihilating with the wrong particle some distance away?

I'm finding it hard to conceptualize how virtual particles lead to Hawking radiation without the aforementioned description. I mean, if one photon pops in on one side of the event horizon and the other on the other side then how does that lead to the black hole losing mass unless the photon within the black hole is cancelling out some mass-energy on the inside?