Here are some experiments overlaying text directly onto the photograph:

Red text, Helvetica font, multiply blend mode, 12pt

Red text, Helvetica font, multiply blend mode, 30pt

Red text, Mono 45 Headline font, multiply blend mode, 120pt

White text, Helvetica font, screen blend mode, 12pt

Grey text, Mono 45 Headline, difference blend mode, 120pt