Translation:If I had a lot of money, I would be rich!
I think English muddies up the distinction a bit. From what I understand, you can generally assume a -us word is a "would".
- Estus = Would be
- Dirus = Would say
- Havus = Would have
- Ŝatus = Would like to
- Devus = Would have to (Should)
- Povus = Would be able to (Could)
But it can also be translated to a past tense word. Like in this case, Havus became Had. This seems most often to be when the word 'Se' is used. So "If I had" and "I would have" would be the different translations of "Se mi havus" and "Mi havus".
Se mi havus miliono de dolaroj, mi aĉetus verdan robon por vi.
Sed ne estus vera verda robo - tro kruela!