Michael, When I wish to post a photo and some comments I can type in the comments first and then I add the photo. The photo will take a few moments to appear in the box and it comes in as a code. Once you see the photo code and your comments all in the box then you can click on the add comment box and it should all appear together as a posting.
I have also posted the photo in the box first and again it appears in a code.
I make sure the curser is at the bottom, after the code and then I type in the comments. If you wish to give it a try, post a message along with a photo on my personal page and you can practice.