Simulation is essential for maritime robotics, supporting operator training, mission rehearsal, and human-vehicle interaction in environments where real-world testing is costly or hazardous. Existing simulators focus primarily on autonomy systems and often lack human-in-the-loop interaction and realistic environmental physics. This paper introduces LOTUSim, an open-source, real-time maritime simulator supporting multi-user interaction across aerial, surface, and underwater robotic systems for coordinated naval-style operations. The first contribution of this work is enabling real-time interactive performance for users while ensuring scalability to large fleets operating within a shared interactive simulation environment. Validation demonstrates robust human-in-the-loop performance, maintaining strict real-time execution and high visual fidelity while scaling to large heterogeneous maritime drone swarms. The second contribution is a computationally efficient, Ekman-inspired layered, underwater current model that captures wind-driven, depth-dependent flow dynamics with sufficient physical fidelity for large-scale simulations. Validation against ocean reanalysis data demonstrates substantially improved accuracy compared to commonly used stochastic Gauss-Markov current models. These results confirm LOTUSim's suitability as a simulation platform for operatorin-the-loop maritime robotics research.