From Wiki:
The origin of supermassive black holes remains an open field of research. Astrophysicists agree that once a black hole is in place in the center of a galaxy, it can grow by
accretion of matter and by merging with other black holes. There are, however, several hypotheses for the formation mechanisms and initial masses of the progenitors, or "seeds", of supermassive black holes. The most obvious hypothesis is that the seeds are black holes of tens or perhaps hundreds of solar masses that are left behind by the explosions of massive stars and grow by
accretion of matter. Another model involves a large gas cloud in the period before the first stars formed collapsing into a “
quasi-star” and then a black hole of initially only around ~20
M☉, and then rapidly accreting to become relatively quickly an
intermediate-mass black hole, and possibly a SMBH if the accretion-rate is not quenched at higher masses.
[7] The initial “quasi-star” would become unstable to radial perturbations because of electron-positron pair production in its core, and may collapse directly into a black hole without a
supernovaexplosion, which would eject most of its mass and prevent it from leaving a black hole as a remnant.
Artist's impression of the huge outflow ejected from the quasar
SDSS J1106+1939[8]
Artist's illustration of galaxy with jets from a supermassive black hole.
[9]
Yet another model
[10] involves a dense stellar cluster undergoing core-collapse as the negative heat capacity of the system drives the
velocity dispersion in the core to
relativistic speeds. Finally,
primordial black holes may have been produced directly from external pressure in the first moments after the
Big Bang. Formation of black holes from the deaths of the first stars has been extensively studied and corroborated by observations. The other models for black hole formation listed above are theoretical
From what i make of this the most likely way for a BH to form is from pre existing stars. one thing i did not know and that is that BHs have the density of water, any way this seems a huge mass to form so early in our universes life time.